You've heard from us because you're part of the Heritage TelstraSuper Personal Plus group.
However, this premium change only affects members who currently hold Death or Death & Total and Permanent Disability (TPD) cover – so if you don’t, there’s nothing you need to do.
If one day you decide to get insurance, it's worth knowing what's changing.
If something unexpected happens to you or your family, like death, terminal illness, or permanent disability, it can be helpful to be covered by insurance.
Everyone is different, so you should think about what works best for your circumstances. Some common reasons for considering insurance include:
Apply for insurance cover anytime through Member Online. You can also explore your options with our insurance cost calculator or read 'The cost of your insurance' in the Insurance Handbook — Heritage TelstraSuper Personal Plus.
If you're aged 70 or older and received the Significant Event Notice (SEN), you don't need to take any action. This SEN was sent to Heritage TelstraSuper Personal Plus members who don't currently hold insurance cover with Aware Super.
Some information in the SEN refers to applying for insurance cover in the future, however, Heritage TelstraSuper Personal Plus members aged 70 and over are not eligible to apply for new insurance cover through Aware Super.
Receiving the SEN does not affect your super account, benefits or entitlements. The notice was provided for information only and you can disregard any references to applying for insurance cover in the future.
If you have questions about your individual circumstances, please contact us for assistance.
Any cover you hold will increase as outlined in the notice we sent you, from 1 September 2026.
Use the rate tables in the notice to calculate the estimated cost of your cover from 1 September 2026, or our insurance cost calculator after the premium has increased.
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.
That depends on your personal circumstances. Use our insurance calculator to estimate the right level of cover for you. It can also be helpful to speak to a financial adviser.
[AD2] Members can get advice about their Aware Super accounts at no extra cost, or advice on their broader needs for a fee.
