It’s easy to transfer your insurance to Aware Super from another life insurance policy or super fund.
Key points:
- You can apply to transfer any existing:
- death cover
- death and Total and Permanent Disablement cover
- Income Protection cover.
- You can submit your application through your Member Online account
- You'll need to cancel your other insurance cover when your application is approved by the insurer.
- Refer to the Insurance handbook relevant to you, for eligibility criteria.
How much you can transfer
We’ll match the level of cover you transfer within these maximum limits.
Scroll table horizontally on mobile
| Cover type... | Maximum amount you can transfer |
| Death | $10 million |
| Terminal illness | $5 million |
| Total and permanent disablement | $5 million. This amount can't exceed your total death cover amount. |
| Income protection | $40,000 per month |
How to know if you’re eligible
To transfer your cover you must:
- be at least age 15 and under age 70 for death cover and Total and Permanent Disablement cover
- be at least age 15 and under age 65 for Income Protection cover
- be employed or self-employed when you submit your application
- agree to cancel your cover under the other policy when your cover has started with us.
You can find the full eligibility criteria in the Insurance handbook relevant to you.
How to transfer cover
You can apply to transfer your cover through your Member Online account.
You’ll need to provide certain information, including:
- evidence of your existing insurance
- employment details
- information about your health and lifestyle.
The insurer will review your application and decide whether to accept the transfer.
Your cover will start with Aware Super once the insurer accepts your application.
It's important that you don't cancel your existing insurance until we confirm that your transfer has been approved.
Things to consider
- You are transferring your existing cover amount, including any exclusions and loadings that applied to your cover.
- Different insurance policies have different terms and conditions - make sure you check the terms and conditions before transferring.
- We’ll add any death and total and permanent disablement cover you transfer to your existing Aware Super cover, subject to the maximum cover limits.
- Any income protection cover you transfer will replace your existing Aware Super cover, subject to the maximum cover limit.
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
If you have insurance somewhere else, you can apply to transfer it to us. This means you could save money and maintain your existing cover.