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We’ve made it easy to increase your cover when circumstances in your life change. We call this applying for cover due to a life event.

Key points


  • Life events include things like getting married, having a child or buying your own home.
  • You may be eligible to increase your insured amounts of:
    • death cover
    • death and total and permanent disablement cover 
    • income protection cover.
  • When you apply for cover you’ll be asked to provide some basic information.
  • You'll need to apply and provide all required information within 90 days of the date of the event.

Types of life events

Life events can be occasions such as getting married, having a child or buying your own home. For a full list of life events please refer to the relevant Insurance Handbook.

Work out if you’re eligible

To be eligible for this cover you must meet a few criteria. For example:

  • be under 60
  • being employed
  • you haven’t increased your insurance as a result of a life event in the last 12 months.

You can find the full criteria in the relevant Insurance Handbook

Cover limits under life events

Life events limits for death and total and permanent disablement cover

  • you can apply for up to $200,000 cover for each event
  • the increase can be either a fixed amount or a multiple of the age-based cover scale
  • total cover cannot exceed $3 million after receiving life events cover.

Life events limits for income protection cover

  • you may increase your existing cover by up to $2,500 per month for each event
  • a maximum of $25,000 per month applies across all life events cover granted to you
  • any increases through life events cover cannot exceed 87% of you monthly income
  • your existing waiting period and benefit period won’t change.

How to apply

If eligible you can apply for cover through your Member Online account. You can also send a completed Life events cover application form back to us.

You’ll need to answer a few questions about your life event and personal circumstances. This is so we can verify that you’re eligible to increase your cover this way. You’ll also need to provide us with evidence about your life event. This could include things like a birth certificate or mortgage documents.

If you need help to fill out the form, contact us.

After you apply, we will contact you if we need any more information. When a decision has been made, we’ll let you know the outcome of your application.

Apply for life events cover

Where 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.