Manage your insurance

Life events insurance increases

When you increase your insurance cover, your application is usually assessed based on your medical history and current health.

Life events insurance increases lets you boost Death and TPD cover after specific life events without needing health information. These increases are available to members of Cbus Industry Super who have existing cover at the date of the Life Event.

You can apply for Life events insurance increases within 90 days of the following events occurring:

• You get married or divorced 
• You or your partner give birth or adopt a child/children
• You take out a mortgage or renegotiate an increase to an existing mortgage by more than $100,000 on your permanent residence
• Your spouse or de facto partner dies
• Your dependent child starts primary or secondary school
• You receive a salary increase.

Download a Life events application (PDF).

Things to consider when cancelling your cover

You can choose to cancel some or all of your cover at any time, and you’ll no longer be charged for the cover you cancel. The following should be considered:

• If you cancel cover, then change your mind and want insurance cover later, you’ll need to provide detailed health and other information for our insurer to consider, and you may not qualify for cover
• Insurance claims can’t be made, by you or your beneficiaries, if you’re injured or pass away after you cancel your cover. You may still be able to make a claim for any events or conditions that occurred before you cancelled your cover
• If you’re cancelling to replace your cover with alternative cover, make sure your alternative cover is in place before you cancel
• Before you change or cancel your cover, it’s a good idea to understand how it works. We explain it in more detail in the insurance guides below.