Apply for Voluntary Cover
If you want more flexibility, Voluntary Cover allows you to do that. Types of Voluntary Cover include:
Death and/or TPD Cover
Income Protection
You’ll need to answer underwriting questions and provide your occupation details. You can apply for Death or TPD cover as stand-alone benefits or Death and TPD as linked benefits. When Death and TPD Cover is linked, any payment of a TPD benefit will reduce the death benefit still payable to you.
If you currently have Automatic Cover with us, your Automatic Cover will end if you are accepted for Voluntary Death and/or TPD Cover.
For more information on Voluntary Cover, including eligibility, refer to the Insurance Guide.
How to apply
Download and complete the form below. You'll find return instructions within the form itself.
Update Automatic Cover
If you apply to increase or decrease your Automatic Cover, your application will be subject to underwriting. If accepted, your Automatic Cover will be replaced by Voluntary Cover. Medical/health exclusions or loadings may apply to your total cover because of underwriting.
For more information on changing your Automatic Cover, refer to the Insurance Guide.
How to update Automatic Cover
Download and complete the form below. You'll find return instructions within the form itself.
Increase Voluntary Cover
If you apply to increase your Voluntary Cover, your application will be subject to underwriting, and medical/health exclusions or loadings may apply.
If you have Income Protection and wish to change the waiting period, exclusions and/or loadings may also apply to the total Income Protection cover as a result of underwriting.
If declined, you’ll remain on your original cover with your existing terms and conditions.
For more information on changing your Voluntary Cover, refer to the Insurance Guide.
How to increase your Voluntary Cover
Download and complete the form below. You'll find return instructions within the form itself.
Reduce Voluntary Cover
You can reduce your Voluntary Cover at any time.
For more information on changing your Voluntary Cover, refer to the Insurance Guide.
How to reduce your Voluntary Cover
Download and complete the form below. You'll find return instructions within the form itself.