You don't need to do anything to stay insured.
Your cover will continue from 1 September 2026 and the protection you have in place isn't changing. We're letting you know about upcoming premium changes and helping you decide whether your cover is still right for you.
From 1 September 2026, Heritage TelstraSuper Personal Plus insurance premiums are going up.
Death only cover is increasing by around 12%. Death and TPD cover together is increasing by around 53%. On average, that’s about $35 more a month.*
Your own increase might look different — it depends on your age, cover type and amount, gender (where applicable), and any loadings applied by the insurer to your cover.
Knowing what you’ll be paying after 1 September 2026 can help you plan better and decide whether your cover still works for you. Your personalised estimate gives you a good idea of how much that will be.
Watch this short video to see how to find your personalised estimate.
From 1 September 2026, Death only and Death & TPD insurance premiums will increase. The amount they’ll increase by varies depending on your personal circumstances, but on average:
Death only premiums will increase by around 12%
Death & TPD premiums will increase by around 53%
The new premium rates will automatically be applied from 1 September 2026. You don’t need to do anything, but you can review or adjust your cover through Member Online.
There are a few things that affect your premium, including your age, cover amount, cover type (Death or Death & TPD), insurance category, gender (where applicable), and any loadings applied by the insurer to your cover.
This depends on your cover amount, age and other factors (such as gender where applicable, and any loadings applied by the insurer to your cover). The easiest way to see the exact cost of your new premium is to check Member Online from 1 September 2026.
Your Income Protection premium won’t be impacted by this change.
Premiums are deducted from your super, so higher premiums can have a greater impact over time. That's why it's worth reviewing your cover regularly to make sure it still suits your needs.
Whether or not you should change your insurance really depends on your situation. It might be worth reviewing your cover if:
Your finances have changed
You have dependants or commitments, or
You're concerned about affordability.
Consider speaking to a financial adviser before making changes.
Check your insurance cover anytime through Member Online. Simply log in, select the Insurance tab, and you’ll find details about your cover amount and premiums.
Make changes to your cover through Member Online, by heading to the Insurance tab. If you want to avoid paying the new increased premiums, be sure to make changes before 3pm Monday 31 August 2026.
If you reduce your cover, your premium may still increase on 1 September, but by less.
If you cancel, premiums stop from the cancellation date. Note: once cancelled, you can't reapply for your fixed default cover, and getting new cover is subject to acceptance.
Your cover continues automatically, and you don’t have to do a thing. To review your cover, make changes, or get advice, here's how.
* Based on an analysis of impacted members' premiums using the premium rate tables that will apply from 1 September 2026. The amount shown is an estimate only and does not include the Insurance Administration Fee. Your actual increase may differ based on factors including your age, cover amount, personal circumstances (including any applicable premium loadings applied by the insurer to your cover) and any future changes to premium rates. To view the actual cost of your cover based on your individual circumstances, log in to Member Online from 1 September 2026.
[AD2] Members can get advice about their Aware Super accounts at no extra cost, or advice on their broader needs for a fee.
