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Boost my insurance through the Age Event option

As you get a little older, you may want to increase your insurance cover. There are three times in your life you can do this – before you turn 30, 40 and 50. Just make sure your application is processed at least 120 days before these milestone birthdays.

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Terms and Conditions
  • I acknowledge and have read my Duty of Disclosure (below) and all of my details on this application form are correct.
  • I understand that the change to my insurance cover through Sunsuper will commence when the Insurer has accepted my application and my account balance is sufficient to cover annual insurance premiums. 
  • I understand that the Trustee cannot provide me with advice about my insurance options and that I should seek advice from an appropriately qualified adviser for advice that takes into account my personal situation, objectives or needs. 
  • I acknowledge that I have read the Sunsuper for life PDS, the Sunsuper for life Insurance guide and Sunsuper’s Privacy Policy and authorise Sunsuper to collect, use and disclose my personal information in accordance with their Privacy Policy. 
  • I understand that the increased portion of my cover under this offer is subject to Limited Cover (see below) for 24 months and a 30 consecutive day At Work Requirement. 
  • I understand my insurance premium and level of cover are subject to any future changes as advised by Sunsuper.

Your Duty of Disclosure

Before you enter into a contract of life insurance with an insurer, you have a duty, under the Insurance Contracts Act 1984, to disclose to the insurer every matter you know, or could reasonably be expected to know, is relevant to the insurer’s decision whether to accept the risk on the insurance, and, if so, on what terms. You have the same duty to disclose those matters to the insurer before you renew, extend, vary or reinstate a contract of life insurance. Your duty, however, does not require disclosure of a matter, that diminishes the risk to be undertaken by the insurer, that is of common knowledge, that the insurer knows, or, in the ordinary course of its business ought to know, as to which compliance with your duty is waived by the Insurer.

Non-disclosure

If you fail to comply with your Duty of Disclosure and the insurer would not have entered into the contract on any terms if the failure had not occured, the insurer may avoid the contract within 3 years of entering into it. If your non-disclosure is fraudulent the insurer may avoid the contract at any time. An insurer who is entitled to avoid a contract of life insurance may, within 3 years of entering into it, elect not to avoid it but to reduce the sum that you have been insured for in accordance with a formula that takes into account the premium that would have been payable if you had disclosed all relevant matters to the insurer.

Privacy

By completing this form you consent to the collection and use of any personal information, including information that may be of a sensitive nature Sunsuper or AIA Australia may collect about you, in the normal course of business, being used as in the manner outlined in Sunsuper’s and AIA Australia’s respective privacy policies. A copy of Sunsuper’s privacy policy can be obtained by visiting sunsuper.com.au . A copy of AIA Australia’s privacy policy can be obtained by visiting aia.com.au . These policies are designed to protect your interests and are consistent with the requirements of the Privacy Act 1988.

Limited Cover

Limited Cover means you are only covered for claims arising from a sickness which first manifests itself or an injury which occurred on or after the commencement date of your cover, cover most recently commenced or increased (where applicable) under the policy. All additional Age Events cover obtained under this application will be subject to Limited Cover for 24 months, until you have been At Work for 30 consecutive days at the end of the 24 month period. If you are aged less than 67, you can increase your Death and/or TPD cover by up to 25% of the Standard or White Collar cover amount for each event, subject to a maximum of three Age Events over the life of your membership with Sunsuper. Cover may reduce over time. For full terms and conditions, refer to your Sunsuper for life Product Disclosure Statement and Sunsuper for life Insurance guide.