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1. Understanding Advisers

One of your biggest assets is your ability to earn an income. Insurance can protect you and your loved ones from financial loss.

Key points:

 

  • If you have super, your fund may offer insurance cover as part of your membership.
  • When you have insurance through your super, insurance costs are paid for out of your super account.
  • There are three different types of insurance you can have through super:
    • income protection cover
    • death including terminal illness cover, and
    • total and permanent disablement cover.
  • Having enough insurance can help cover any debts and living expenses or provide a payment to your loved ones if you die.

2. Types of insurance through super

Insurance can help protect you and your family if something unexpected happens. The type of cover you choose may depend on your lifestyle and needs. Insurance through super can cover you:

  • if you lose your income because you become sick or injured
  • if you become permanently disabled and unlikely to work again
  • if you become terminally ill or die.


Learn more about the types of insurance

Death cover provides a payment to:

  • your beneficiaries if you die, or
  • you if you are diagnosed with a terminal illness.

If you become sick or injured and are unlikely to ever work again, you shouldn’t have to worry about money. Total and permanent disablement cover is also known as TPD. It can provide a lump sum payment to you to help cover your expenses.

If you’re unable to work due to an illness or injury, you might be out of work for a while. Income protection cover can provide you with a monthly benefit while you’re not earning an income. This means you can focus on your recovery.

How much insurance do you need?

The amount you’ll need depends on a few things such as:

  • your age
  • if you’re married
  • if you have children
  • your living expenses and any debts you may have.

 

Use our calculator

 

3. Register for online access

If you haven’t already registered for online access, you’ll need to do so before using the app. Registering through the app is simple. After you download the app, tap ‘Set up online access’ at the bottom of the screen and follow the prompts.

To start using the app you’ll need your email address or member number and your password. This will be the password you set up for online access to your account.

4. Use the Aware Super mobile app

It’s quick and easy to manage your super or retirement account on the go with our award-winning Aware Super mobile app1. 

Follow these simple steps to access and manage your super using the app:

1. Download the app

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My Retirement Planner™ helps you maximise your savings to prepare for retirement, whether that’s two or 20 years away.

More than just a calculator, it provides different scenarios and shows how you can reach your retirement goals.

It’s a great tool for members – and non-members too.

Text Only

My Retirement Planner™ helps you maximise your savings to prepare for retirement, whether that’s two or 20 years away.

More than just a calculator, it provides different scenarios and shows how you can reach your retirement goals.

It’s a great tool for members – and non-members too.

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