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The Aon Master Trust is the ideal way to save for your retirement. With a wide range of investment options to choose from, it's easy to invest your super to match your preferences, investor profile and changing lifestyle needs. You can also choose the insurance cover you need to support you and your dependants in the event of illness or injury, or if you die.

You can stop, restart, increase or decrease your voluntary contributions to the Aon Master Trust at any time. The Trust also accepts spouse contributions and rollovers from other complying funds.

Topping up your super is easy. You determine how much and when you want to pay. And if your spouse is on a low income or no income at all, you can make spouse contributions on their behalf.

Find out more about:



There are times in life when we all need some help to get by. Our WeCare service can help you get through your difficult times.

Through WeCare*, your membership of the Aon Master Trust offers you and your family:

  • counselling, guidance and support with personal or work-related issues
  • home and care services to help around the house when circumstances change
  • assistance if you need to organise a funeral
  • advice to help you make the right legal and tax decisions.


1800 828 736

* The WeCare service is offered by AIA Australia Ltd (ABN 79 004 837 861, AFSL 230043) to its insured members and provided by NHS Australia Pty Ltd (ABN 38 080 244 195). It is a service provided to members of the Aon Master Trust and their families.

Your TFN could save you tax and find your lost super

If you choose not to provide your tax file number (TFN) to us, you could lose out.

  • No personal after-tax contributions
    You won't be allowed to make any personal after-tax contributions to your super.
  • More tax on your contributions
    Accounts opened before 1 July 2007: If the money your employer puts into super for you and any before-tax or salary sacrifice contributions you make yourself total more than $1,000 in a year, the part above $1,000 will be taxed at the top marginal rate instead of 15%.
    Accounts opened on or after 1 July 2007: There is no $1,000 threshold - the top marginal rate applies to the whole contribution amount.
  • More tax on your benefit
    You may pay more tax on your super benefit when it is paid than you need to. You may, however, be able to claim the extra tax back when you lodge your tax return.
  • Co-contribution problems
    The Australian Taxation Office might find it harder to match you for any co-contribution if you have made personal after-tax contributions.
  • Consolidation problems
    You may find it more difficult to find or consolidate your super benefits.

Finding your lost super

Providing your TFN on this form will allow the trustee to search on your behalf for any lost super you may have. We'll let you know if we find some and you can then use our consolidation service to bring it into your Aon Master Trust account. We'll do the hard work for you and there's no charge to you.

Make sure you don't lose out

Just read and complete this form and mail it (no stamp required) to:

Aon Master Trust
Reply Paid 1949
Wollongong NSW 2500


Employer contributions

If you earn more than $450 per month, your employer has to pay superannuation guarantee (SG) contributions for you equal to 9.5% of your salary.

Your contributions

You can top up your employer's payments to super by making contributions of your own -from your after-tax salary (non-concessional contributions) or by salary sacrifice from your before-tax salary (concessional contributions). If you wish to make regular contributions from your pay, your employer may be able to set up a regular payroll deduction.

The Aon Master Trust offers a number of convenient ways for you to make after-tax contributions to your account. These include BPAY®, EFT, cheque, and (if you are a Personal member) direct debit from a bank account. See the Contributions factsheet for more information.

Contribution caps limit the amount that you may contribute each year - see the factsheet Contributions. However, there are restrictions on who can make superannuation contributions and how much can be claimed as a tax deduction by either the employer or the member.

Tax concessions apply to the earnings and your contribution is placed in professionally managed investments that are diversified across major local and overseas markets.

Generally speaking, you can contribute to the Aon Master Trust until you reach age 75 (you must satisfy a work test if you are aged 65 or over).

® Registered to BPAY Pty Ltd ABN 69 079 137 518

Spouse contributions

To open a spouse account, your spouse must complete an application form to join Aon Master Trust Personal Super - Essentials. If you have an eligible spouse, you may receive a tax rebate of 18% on eligible spouse contributions, up to a maximum of $3,000 pa. The maximum rebate is $540 (ie 18% of $3,000). The rebate is available if your eligible spouse's assessable income is less than $40,000 pa. You can claim your rebate when you complete your next tax return.

Consolidating super

If you have super in another fund, approved deposit fund or deferred annuity, you can transfer (or roll it over) into the Aon Master Trust at any time.

Having all your super in one place can help you save on fees (as you'll only have one set of fees to pay). You'll also find it easier to keep track of your super and you'll have less paperwork to deal with. Find out more here.

To consolidate your super, please read and complete the Rollover initiation request to transfer whole balance of super benefits form:


and send it to the Aon Master Trust, PO Box 1949, Wollongong NSW 2500.

The easiest way

Use our consolidation service. There's no charge to you and we'll do the hard work for you.


When it comes to protecting your most valuable assets - you and your income - we start with flexible cover and competitive premium rates.

The following information assumes you are insured under the Aon Master Trust's standard AIA Australia policy.

Death and total and permanent disability (TPD)

Minimum levels of cover
To ensure you have a reasonable level of insurance cover, you are automatically provided with minimum cover for death and TPD. You can stay with the minimum level of cover, opt out of death or TPD cover or both, or apply for additional death and/or TPD cover to suit your needs.

Life stages cover
When certain life events occur you can increase your existing death and TPD cover up to certain limits without having to provide health evidence. See the Insurance reference guide for a full list of life events, eligibility conditions and how to apply.

Loyalty program
When you reach five years of insured membership in the Aon Master Trust and at every fifth anniversary thereafter, you will be invited to increase your level of death and TPD cover and you will not need to provide evidence of health with your application.

TPD cover - no death cover required

You can apply for TPD cover without the requirement to have death cover as well. If you want both types of cover, with TPD cover higher than death cover, you can apply for that too. In either case, you can apply for up to $3 million of TPD cover. Premium rates for TPD cover in excess of death cover will be 20% higher than standard rates.

Income protection

The Aon Master Trust's income protection benefit provides an income benefit in the event of temporary disablement. Following a waiting period of 30, 60 or 90 days, a benefit of 75% of pre-disability income is payable (the maximum monthly benefit is $30,000) for up to two years, five years or age 65.

Automatic cover in Corporate Super
From 1 July 2014, eligible members of Corporate Super are automatically provided with income protection cover, with the benefit payable for up to two years following a 90-day waiting period. Members can apply for a different waiting and/or benefit payment period - health evidence may be required.

Rehabilitation service
If an injury or illness means you have to stop work for a while, income protection cover will help you cope financially, but returning to work will be the best outcome for your wellbeing. Through its range of readiness and wellness programs, the rehabilitation service can support you in achieving a successful, suitable and safe return to work.

More information

See the relevant Product Disclosure Statement and Insurance reference guide for more information, including eligibility conditions, the minimum levels of death and TPD cover, definitions, new events cover, premium rates and (for Personal Super) minimum account balance requirements

Withdrawing your money

The goal of superannuation is to provide for your retirement. To make sure your super lasts until you retire, the Government has placed certain restrictions on when you can withdraw your money. Normally, your super benefit won't be paid out in cash until you leave the workforce for good and reach your preservation age.

For most people, the majority of their superannuation is preserved. You can take your preserved super in cash when you:

  • reach age 65
  • reach age 60 and leave your employer
  • reach your preservation age and retire permanently from the workforce
  • reach your preservation age and keep working, but choose to access some super under the rules which govern transition to retirement
  • are a temporary resident leaving Australia permanently for overseas (conditions apply)
  • obtain release on severe financial hardship or compassionate grounds
  • become terminally ill
  • become totally incapacitated or die.

Your preservation age depends on when you were born:

If you were born
Preservation age
Before 1 July 1960
1/7/60 - 30/6/61
1/7/61 - 30/6/62
1/7/62 - 30/6/63
1/7/63 - 30/6/64
After 30 June 1964





Most non-preserved benefits were built up in the super system before 1 July 1999. If you have a non-preserved benefit it can be paid out to you before you reach your preservation age.

If your benefit is restricted and your employer has contributed to it, you will have to leave your current employer before you can cash it out. If it's unrestricted, you can cash it out at any time.

Contact us for details about applying for your super benefit.

Your super if you leave the Aon Master Trust

If you choose to leave the Aon Master Trust you need to decide what to do with your super and make sure it's the right decision for you.

Withdrawing your super from the Aon Master Trust, either as cash or to roll it over to another super fund, could have insurance, tax, fee and investment implications for you. For example, any insurance cover you currently have would cease. Before applying for a withdrawal, consider the advantages of Aon Master Trust membership and the possible implications of leaving.

Recommended reading:

Communication and education

Keeping members informed is one of the trustee’s most important responsibilities. The main items that make up our communication and education program are:

Member kit

New members receive a member kit that includes a Product Disclosure Statement, Your Corporate plan outline, forms, latest newsletter and, if transferring from another fund, details about the 'before and after' features and benefits.

Welcome letter

Once your forms have been processed, we will send a Welcome letter that confirms membership, insurance and investment details.

Member benefit statement

Members receive an annual benefit statement as at 30 June each year. The statement provides a full list of transactions (contributions, fees, tax, investment earnings, etc) and standard benefit reporting information such as account balance and insurance cover.

Guide to your benefit statement.

Directions - quarterly newsletter

Quarterly newsletters provide updates on the Trust’s investment earnings, developments in superannuation, and improvements to Aon Master Trust products and services.

Annual report on website

Provides information on the Aon Master Trust's investment performance, financial statements, administration and operational details.

Aon Master Trust website

Provides latest industry and fund news, educational material, fact sheets, forms and other publications.

Online services

Provides up-to-date account balances, transaction history, investment information, other online information to members, employers and advisers. Also allows members to update certain personal details, switch managed investment options, and access the direct investment option (DIO) portal.

User guide - Member online services

Education program

Our standard education program includes:

Transition seminars - face-to-face presentations to members of super funds transferring to the Aon Master Trust.

Transition brochure - overview of the transition process and the benefits of transferring to the Aon Master Trust.

Annual information/education sessions – annual member information/education sessions for clients with locations in capital cities and major regional centres.

Online learning tools including introductions to super and investments, calculators, a risk profiler and fact sheets.