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Keep your insurance cover

This form is for members who have existing insurance cover in place and want to prevent it from being stopped because no eligible contributions* have been received in their Super Savings Accumulation account over a 12 month period.

You cannot use this form if your insurance cover has already stopped.

If you are unsure about whether you still have insurance, you can check by logging into Member Online at anytime.

  • Legislation requires us to protect members retirement savings from unnecessary erosion due to insurance premiums. For Australian Retirement Trust members, this means that we’ll cancel insurance cover if your account has not received an eligible contribution* for 12 months (we call this contribution inactivity).
  • If you don’t want your insurance cover to stop as a result of inactivity, you need to let us know in writing that you would like to keep it. You can do this by simply completing and submitting the form below.
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By submitting this form, you are making the following declaration to Australian Retirement Trust in writing:

  • I’ve considered my insurance needs and wish to keep the insurance in my Australian Retirement Trust Super Savings account, even if no eligible contributions are made to my account for continuous periods of 12 months or longer, or my balance is below $6,000
  • I understand that premiums will continue to be deducted from my account, and have considered the effect this will have on my super balance in retirement.
  • I acknowledge that if my account remains inactive my insurance cover may still stop in the future in the circumstances outlined in my Insurance guide.
  • I understand that I am still able to cancel my cover at any time in the future

  • *Note, under the ‘Protecting Your Super’ legislation, the maximum period of not receiving an Eligible Contribution before your insurance cover is cancelled is 16 months. To align with our commitment to comply with the Insurance in Superannuation Voluntary Code of Conduct and to further help reduce the impact of insurance premiums eroding your account, we have selected a period of 12 months.