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Your Insurance Cover

Life’s unpredictable. Your insurance cover can help protect you or your loved ones should life take a turn for the worse.

Check the important information in your {ProductDisclosureStatementName} found on the Documents page.

Insurance cover may provide some financial protection for you and/or your dependants if you’re unable to work due to disability or if you die. However, insurance premiums are deducted from your account balance so this reduces the amount of super that’s available when you retire.

Your Current Insurance Cover

The details of your current insurance cover are shown below. It’s important to understand your current financial needs and regularly review your cover to ensure that you have enough cover or that you’re not paying for cover you don’t need, particularly as your personal circumstance change over time.

You can cancel your existing cover at any time using the ‘cancel’ button below (if applicable). If you want to decrease your cover, or apply for new or increased cover, you can complete the relevant insurance form available from the Forms section of our website.

For more information about the terms and conditions of insurance cover in Accumulate Plus, including premium rates, circumstances when cover may end or be automatically cancelled, when a benefit may or may not be paid, and if any exclusions apply, read the Reference Guides, available from the Documents section of our website.

If you’d like help, our phone-based Advice team can help you consider the insurance options for your account at no additional cost to you. To get started, call our Helpline and ask to speak with the Advice team.

Important notes about the information below

For Death and TPD cover, the total amount of your cover as at the current date (if any) is shown. Depending on your type of membership and how the cover was applied, this cover may be calculated as a multiple of your salary and/or as a fixed dollar amount of cover. The amount of any salary-based cover, and associated premiums, will change if we’re notified of a salary change.

For Salary Continuance, your accepted amount of cover is shown. However, in the event of a claim, the maximum benefit payable must take into account your actual level of income immediately before disablement. If your actual income is less than your cover amount, your benefit will be lower and the excess premiums are not refunded. It’s important to let us know if your actual income changes compared to your amount of cover.

All premiums are estimated as the gross monthly amount based on your current amount of cover and the premium rate for your age next birthday as at the current date. Premium rates generally increase on the first premium due date after your birthday each year even if your amount of cover doesn’t change.

The fund is entitled to a tax benefit for the premiums we pay to our insurer, which we may pass on to you by reducing the premiums you pay. If this applies, a monthly rebate will be credited to your account balance.

Your occupational category is:

Total Premium Amounts

Total premium amounts

You don't have active insurance cover. Please apply here. For important information click here