Elect to maintain cover (Protecting Your Super)

Under legislation, we’re required to stop maintaining the insurance cover held through your super account from 1 July 2019, if:

  • your account becomes inactive for a continuous period of 16 months because it hasn’t received any additions such as a contribution or a rollover, and
  • you haven’t elected to retain your insurance cover even in these circumstances.

To comply with the legislation, we’re required to contact you when your account has been inactive for certain specified periods and provide you with the opportunity to confirm if you want to maintain your insurance cover.

This legislation was passed to ensure that your super account balance is not eroded by insurance premiums for cover that you're not aware you hold or no longer need.

How to maintain your current insurance cover

If you’ve received a notice from us about your current insurance held through super and you want to maintain your current insurance cover, there’s no further action required. This is because you’ve already made an election to maintain your cover.

You can make an election to maintain your insurance if it becomes inactive for 16 months.

To make an election:

  1. Go to computershare.com.au/super
  2. Log in using your account number, country of residence, postcode and last name
  3. Confirm your identify by reviewing the client information and clicking I agree if this matches your details
  4. Make the election to maintain cover should your account become inactive for a continuous period of 16 months by clicking Yes
  5. Click Continue to view a summary of your instruction
  6. Insert your preferred email to receive confirmation of your election.

You may also make a contribution to prevent your insurance not being maintained.

Please note, if your account becomes inactive again for 16 months following the contribution being made, your insurance will be cancelled unless you have made an election for your insurance to be maintained.

Make an insurance claim

You can make an insurance claim:

  1. through Macquarie Investment Management Limited (MIML), or
  2. direct to your insurer.

Making a claim through Macquarie

You can let us know of your intention to claim by email, post or by calling us and quoting your Wrap account number.

You can do this by emailing us at MIMLPlatformInsurance@macquarie.com

You can also send us a letter to the below address:

Attention: The Claims Manager
Macquarie Investment Management Limited
GPO Box 4045
Sydney NSW 2001

You can also call us on 1800 025 063, 9am to 5pm (Sydney time) Monday to Friday.

Once you’ve let us know of your intention to claim, we’ll contact your insurer and arrange for a claims pack to be sent to you.

We’ll work with you and your financial adviser to help manage your claim and provide additional support where needed.


Making a claim through your insurer

You can also commence the claims process directly through your insurer. Your insurance provider will guide and support you through the claims process.

We suggest that you keep your financial adviser informed as to your intent to claim such that they can provide support as required.

The contact details for MIML’s insurance partners are below:

InsurerContact Details
Zurich Australia Limited

131 551


My Zurich customer portal

Log in to your My Zurich portal to register a claim.

AIA Australia Limited

1800 333 613
8am to 5pm (AEST) Monday to Friday

Contact form
AIA online contact form


OnePath Life Limited

1300 555 250
8:30am to 5:30pm (AEST) Monday to Friday


TAL Life LimitedTelephone
1800 101 016
8:30am to 5:30pm (AEST) Monday to Friday



Life Insurance Code of Practice for insurers

MIML requires that all its insurance partners (Zurich, AIA, OnePath, and TAL) are subscribers to the Life Insurance Code of Practice (Life Code). You can find a copy of the Life Code.

The Life Code encompasses all aspects of life insurance, including how products are designed, how they are sold, timeframes to communicate decisions with customers, the claims process and how complaints are resolved. Refer to the Life Code for more information.

The Life Code Compliance Committee (LCCC) monitors compliance with the Life Code. You can read more about their role.

To make a complaint

Please let us know if you have a complaint and we'll look into it further. See Resolve a complaint for more information.

Assistance for non-English speakers

If you need assistance when contacting us, we have team members available to help with translation for non-English speaking clients.

We’d suggest you seek the assistance of a financial adviser to help answer any queries you may have about insurance, investments and super.

In addition to a financial adviser, you can also get support from Financial Counselling Australia. This national organisation provides free, independent and confidential service Australia wide to help people who are in financial difficulty.

Learn more about insurance in superannuation

There are multiple resources where you can get more information on insurance in super.

Please see here for information about the Superannuation Voluntary Code of Practice.

We encourage you to have a discussion with your financial adviser and look at the website(s) of our panel insurers TALAIAOnePath and Zurich.

External resources

There are a variety of external resources that you can use to help your understanding of super funds and the role of insurance.

  • The Australian Government’s MoneySmart website provides information on life insurance and the claims process
  • The Financial Services Council (FSC) website is an excellent resource for information on insurance in super. For more information about life insurance, see their page about Life Insurance 101.

The Association of Superannuation Funds of Australia (ASFA) website is a great resource for information on current developments in the super and insurance space. 

Experiencing financial difficulty?

Resolve a complaint

Help and support