At this stage of life, when you may have a mortgage, dependents, or be the primary income earner, having the right level of cover can provide important financial protection. Consider: if you couldn't work for six months due to injury or illness, how would you cover your mortgage repayments, school fees and everyday expenses?

The key is making sure the cover you have continues to offer value for you at this stage of life.

Reviewing your cover as your priorities change

Mid-to-late career often brings changing circumstances - higher income, increased financial commitments like mortgages or education costs, or evolving family responsibilities. Insurance that suited you earlier in your career may not match your current needs.

Reviewing your cover helps ensure you're protected in the areas that matter most - without paying for insurance that no longer adds value.

Your insurance cover is fully flexible. You can review, adjust or cancel your insurance depending on what suits you. Tools and education are available to help you understand your options and make informed choices. You can also use our insurance needs calculators to check whether your cover suits your needs.

Your occupation category affects the cost of your cover - physically demanding or higher-risk jobs generally cost more than office-based roles. If you think you're in the wrong occupation category, you can check and update it through Member Online.

A good first step is to review the insurance cover you have. You can find your details in Member Online.

You don't need to do anything unless you want to make changes. If you'd like to talk it through, our team can help you understand your cover and explore your options. For personalised advice on what’s right for your situation, you can speak with one of our financial advisers. Please note that fees may apply. Visit our advice page for more information.

Considering cancelling your cover?

If you're thinking about cancelling insurance, consider how you'd manage financially if you couldn't work for an extended period - particularly if you have dependents, a mortgage, or are the primary income earner. In some cases, adjusting cover can reduce costs while still maintaining protection.

Things to think about before cancelling your insurance

Want to know more?

Explore the different types of insurance available and find out what might work for your situation. Plus, our insurance is changing - find out what's changing and how it affects you.

Learn more about insurance through super