It's important that you check the automatic levels of cover you receive and review your level of cover as your circumstances change over time. To help work out how much cover you need, you can use the insurer's needs analysis calculator. This online tool allows you to obtain a quote and apply for cover through Member Online.

The following options may be available to you:

• Increase, decrease or fix the amount of your insurance cover. Provided you meet the eligibility criteria, you can apply to increase, decrease or fix the amount of your insurance cover at any time through Member Online.
• Opt-out of part or all of your insurance cover. You can opt-out of part or all of your insurance cover by going to Member Online. It is important to remember that if you choose to reinstate or increase your insurance cover in future, you will be required to complete a full application and meet eligibility requirements.
• Opt-in to the Professional and Executive occupation category. If you have existing default insurance cover in your West State Super or GESB Super account, you can apply to join this category. If you meet the eligibility requirements you may benefit from reduced premium rates and access to higher levels of cover without medicals and underwriting. To find out more about the eligibility criteria and how to apply, refer to the Professional and Executive occupation category fact sheet.
• Transfer insurance cover from another fund. If you are rolling in your other super to GESB, it may make sense to transfer any policies attached to your other super accounts at the same time. Simply download and complete the Insurance transfer declaration form and be sure to send this form together with your Super consolidation form.