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Fees and conditions appearing on this website apply to members who join the Trust on or after 1 July 2013 (1 January 2014 for Corporate Super products). Existing members' fees and conditions are as notified.



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.

Contact us for details.

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:


Extra benefits

Aon’s extra benefits program (my ebenefits) offers a range of lifestyle services to members of the Aon Master Trust. Available online, by phone and email,can help you finance a home purchase, buy that big-screen plasma at a fantastic price, send a small thank you gift or arrange the perfect holiday without the travel agent blues.

And what if you need legal advice? Or maybe your tax return has you stumped. my ebenefits is on hand for free advice over the phone or by email.


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

* WeCare is a telephone counselling and advice service provided by AIA Australia Limited (ABN 79 004 837 861, AFSL 230043).

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
    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%. For 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 9819
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 9.25% 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 $13,800 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 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.


The Aon Master Trust has a number of insurance options to provide you and your family with financial protection should you become disabled or die. Conditions apply to the insurance options so you should contact us for details.

Death and total and permanent disability

Corporate: If you are insured under the standard AIA Australia policy, you have a minimum level of default cover for death and total and permanent disablement. This minimum is age-based and is $268,019 up to age 42 inclusive, reducing to nil at age 65. Eligibility conditions apply - see the Product Disclosure Statement.

You can stay with the default cover, opt out of cover, or select the type and amount of insurance cover you need to support your dependants should you become disabled or die. You can select unlimited cover for death and up to $3 million for total and permanent disablement.

Your insurance amount, once a claim is assessed and accepted by the trustee, together with the sum of your account balance, will be paid to you or your beneficiaries as a lump sum.


Personal: You are required to have a minimum of $5,000 in your account to maintain your insurance cover. If your account balance falls below this amount, we will notify you in writing and you will have 60 days to update your account. You can select unlimited cover for death and up to $3 million for total and permanent disablement.

Your insurance amount, once a claim is assessed and accepted by the trustee, together with the sum of your account balance, will be paid to you or your beneficiaries as a lump sum.

New Personal members on or after 1 July 2010 have a minimum level of default cover for death and total and permanent disablement. This minimum is age-based and is $268,019 up to age 42 inclusive, reducing to nil at age 65. Eligibility conditions apply - see the Product Disclosure Statement.

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.

Life stages cover

Life stages allows you to apply for higher death and TPD cover - no health evidence required - on certain life events:

  • marriage
  • divorce
  • the birth or adoption of a child
  • a child turning 12
  • a child being enrolled in private education
  • reaching age 30
  • taking out or increasing a primary home loan.
  • you are a key person in a business and your financial interest in the business, averaged over the last three years, has increased.

Life stages eligibility and applications

The application form is being developed. To apply for increased cover under this facility, you must:

  • be under age 60 on the date you apply
  • have death or TPD cover in the Aon Master Trust on standard terms (ie no loadings, restrictions or exclusions)
  • not have lodged a claim previously
  • apply within 60 days of a personal event happening or your receiving proof of a business event, and
  • give the insurer documentation that confirms the event.

Life stages exclusions and restrictions

  • No life stages increase is allowed if you are not 'at work' on the date the insurer accepts your application.
  • In the 13 month period after the start of a life stages cover increase, no benefit is payable for:
    - a TPD claim resulting from an intentional self-inflicted act, whether sane or insane
    - a death claim resulting from suicide.

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.

Income protection

The Aon Master Trust's income protection benefit covers you in the event of temporary disablement. Following a waiting period of 30, 60 or 90 days, up to 75% of taxable salary is payable (the maximum monthly benefit is $30,000) for a maximum benefit period of up to two years, up to five years or to age 65. The longer the waiting period, the lower the insurance premium.

Cover to age 70

If you are approaching age 65 and in a professional or white collar occupation you may now be able to continue your cover to age 70, with a maximum benefit period of two years and monthly benefit payments limited to the lesser of 75% of salary and $10,000. To be eligible, you must continue to be permanently and gainfully employed for at least 15 hours a week at age 65. Contact us for premium rate information.

Rehabilitation expense benefit

If you attend a rehabilitation program that includes a return to work plan, the cost of the program (up to a maximum amount of six monthly income protection benefit payments) will be paid in addition to the payments you receive. To qualify, you must be receiving income protection benefit payments when you attend the program and your return to work plan must be approved by the insurer.

Recurrent disability benefit

If, within the first 12 months of returning to work following a claim, your previous disability recurs and makes you unable to work, it will be treated as the same claim. This means that no further waiting period will apply, and the benefit period will be reduced by the first claim period.

Additional lump sum on death

If you die while receiving income protection benefit payments, an amount equal to three monthly benefit payments will be paid as a death benefit.

Competitive premiums

The Aon Master Trust seeks out the most competitive premium rates, terms and conditions. Premiums are based on your occupation, age, amount of cover, and gender (for income protection only) and are deducted from your account monthly. See Insurance and your super:

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:

QROPS means good news for UK pension transfers

Do you have a UK pension? Are you thinking of transferring it to Australia? Read on for some good news.

If you transfer your UK pension to a fund that the UK accepts as a QROPS - a qualifying recognised overseas pension scheme - there’s no UK tax payable on amounts up to £1.5 million (effective 6 april 2012 - note that this allowance changes each year). Aon Master Trust Personal Super - Essentials is a QROPS and so can offer you this facility. There could be tax concessions in Australia too.

The rules in both countries are complex and there are many factors that will influence your decision to transfer. Depending on your personal circumstances, transferring may (or may not) work in your favour.

See the guide Transferring your UK pension benefit to the Aon Master Trust for:

  • taxation on transfer and ongoing tax obligations
  • issues to consider
  • steps to follow
  • Aon Master Trust and Australian Tax Office forms.

See also the Aon Master Trust Personal Super - Essentials Product Disclosure Statement.

Good advice

There are many factors to take into account and we recommend that you talk to a financial adviser before making your decision. Your adviser will take you through the pros and cons of transferring and, if you decide to go ahead, they can help you complete the paperwork.

If you don’t have a financial adviser but would like to be put in touch with one**, call us on 1300 880 588, email us or go to my ebenefits, Aon's extra benefits program.

Lost track of your UK pension?

You might be able to find it through thepensionservice.gov.uk


* Note that contribution caps in Australia may limit the amount you can transfer to an Australian superannuation fund in any given year.

** Financial planning services are not provided by Aon Superannuation Pty Limited.

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 switch investments online, update certain personal details, and access a range of lifestyle services through my ebenefits.

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.