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Make your personal contributions by 25 June 2024 to make sure they’re counted towards the 2023/24 financial year.

See important dates for more information.

As your life changes, your insurance needs might change too. You can change your insurance at any time. It can be done in a few simple steps.

Key points: 
 
  • You can calculate how much insurance you need with our insurance calculator.
  • If you have insurance with another company or super fund, it’s easy to apply to transfer it to us.
  • Life events cover makes it easy to top up your insurance when circumstances in your life change.
  • If you're eligible and don't have insurance:
    • Basic Cover is a quick way to get death and total and permanent disablement cover. You can easily double this amount and add income protection cover with Basic Plus Cover.
    • IP Express is a simple way to get income protection cover if you don’t already have it.
  • You can apply to update your insurance through your Member Online account in just a few minutes. You can:
    • apply for new cover like Basic Cover, Basic Plus Cover and IP Express
    • apply to top up your existing insurance
    • reduce your amount of insurance
    • cancel your insurance.

Why you might need to update your insurance

There are a few reasons why you might want to update your insurance. Your life may have changed since you last reviewed your insurance. You may have just got married, had children or started a new job. Or you might have automatic cover that you don’t need. It’s a good idea to work out how much insurance you need and what you’re covered for.

If you have insurance with another company or super fund, you can apply to transfer it to us. You cannot apply to transfer and then keep your old insurance. 

Apply to transfer your insurance

Learn more about transferring your cover

Apply for Basic Cover

Our Basic Cover gives you:

  • death cover, and
  • total and permanent disablement cover.
  • If you are eligible, you can apply for this cover at any time by answering some simple questions, or you may get it automatically.

Apply for Basic Cover by logging into your Member Online account.
 

Get Basic Plus Cover 

Basic Plus Cover gives you double the Basic Cover amount.  

If you are eligible, you can apply for Basic Plus Cover at any time by answering some simple questions. When you apply for Basic Plus Cover, you can also include income protection cover. This income protection cover has a 60-day waiting period and 2-year benefit period. 

Apply for Basic Plus Cover

Learn more about applying for cover

Get income protection cover through IP Express 

Another simple way to apply for income protection cover if you don’t already have it, is to apply through IP Express. IP Express gives you more benefit periods and waiting period options than Basic Plus Cover.  

Learn more about applying for cover

To apply you’ll need to answer some simple questions about your:  
 

  • employment 
  • health 
  • lifestyle. 

Life events cover makes it easy to top up your insurance when circumstances in your life change. We call this applying for cover due to a life event.

Life events include things like getting married, having a child or buying your own home. You'll need to meet certain criteria and apply within 90 days of the date of the event.

Increase your insurance due to a life event

If you’d like to tailor your insurance, you will need to complete an online application. You will need to answer more detailed questions compared to a standard application. You will be asked several questions, such as information about your:

  • employment
  • health
  • current and past insurance.

This is how the insurer decides:

  • whether or not to cover you
  • the cost of your cover, and
  • any exclusions that might apply.

The insurer may decline your application based on the answers you provide.

Apply for new or increased cover

What happens after you apply to update your cover

Once we receive your application, we’ll send it onto our insurer to assess. They may need to ask you more questions about:

  • your circumstances
  • your lifestyle
  • your health.

They may also require you to undergo additional medicals. We’ll let you know once your application has been approved.

You can cancel your insurance at any time. You will need to go through full underwriting if you want to increase you cover after cancelling or reducing it.

You can do this through your Member Online account.

Learn more about changing your insurance

Cancel or reduce your cover

Frequently asked questions

You can find out what insurance you have by:

Our insurance calculator can give you an estimate of how much insurance you need and what it will cost.

Try our insurance calculator

You can also speak to an Aware Super adviser to find out which types of insurance would be best for your situation and how much you need.

Book an appointment 

Where to next?

Calculate your insurance needs

Our insurance calculator can provide an estimate for how much you need and what it will cost. Simply answer a few questions such as your age, salary, number of dependants and expenses.

Check your insurance

Did you know you can check and change your insurance using your Aware Super Member Online account?

Transfer insurance to Aware Super

It’s easy to apply to transfer other insurance to us. This means you could save money and maintain your existing cover.