A small decision you make today could make a world of difference to you and your family in the future.

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It's not a situation we typically anticipate, but if you were suddenly no longer around, how would your dependents cope?

Death cover can give your loved ones financial security when you’re no longer around to provide for them.

Taking out death cover through super is a great way to live with peace of mind without having to add insurance premiums to the list of household expenses. It’s important to remember that insurance isn’t free. The cost comes out of your retirement savings, which is why you might consider making additional voluntary contributions.

We offer death cover on its own, or bundled with total and permanent disablement cover. Having both means that you’re also covered in the event of a major injury or illness that leaves you permanently unable to work. 

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How death cover works

If you have insurance with us through your participating employer, your automatic cover with us is usually unit based.

That means your cover is calculated in terms of a number of units that represent a certain level of cover that decreases over time with age, although your premiums remain the same price.

Whether you are a personal or employer sponsored member, you can apply for unit-based cover, a fixed amount, or a combination of both. 

Fixed cover works the opposite way to unit based cover, where the level of cover does not change, but the cost of your premiums increase with age, after you turn 24. You can apply for either type of cover.

Both types are paid from your super account balance.

You may already have three units of automatic death and TPD cover, if you joined us through a participating employer.

If you are a member with automatic cover or early automatic cover, you can top up your insurance with start-up bonus cover, or when you experience a major life change such as getting married or having a child.

Working out how much cover you need should take your and your dependent’s living expenses into account, along with any outstanding debts and financial commitments.

To make sure your bases are covered, use our insurance calculator, or speak to a financial adviser. 

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Who gets your insurance benefit

One of the most important parts of planning for the future is making sure your super and insurance benefits land in the right hands.

To ensure your insurance is paid out the way you want, you need to tell us by nominating a valid beneficiary. From there at the time of your death: we find the beneficiary and pay out the death benefit as a lump sum.

If you haven’t told us who you want to leave your super to, we are responsible for finding the most appropriate recipient of their money. We consider all claims on their own merits, according to superannuation law and our trust deed and rules.

Your insurance benefits will be automatically paid out to whoever receives your super.

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What you need to know

If you join us through a participating employer, you’ll usually get automatic cover (without having to provide any additional information) if we are receiving your super guarantee contributions and you’re age over 25yrs and have $6,000 or more in your super account.

If you are not yet 25yrs old or have less than $6,000 in super, you may still be eligible to apply for early automatic cover^1, for further information on how to apply refer to the Employer Sponsored Member Booklet Supplement.

NSW Police Officers and Ambulance Officers have specific insurance arrangements. The information provided on this page does not include these insurance products.

For all the terms and conditions and restrictions view the Insurance Member Booklet Supplement relevant to you.

View Insurance Member Booklet Supplements

  1. If you are employed in a ‘dangerous occupation’ you may be provided with automatic cover irrespective of your age or account balance, we’ll notify you when you join whether this applies to you.