Get an indication of your insurance premiums for different levels of cover. Since it's only an estimate, your exact premiums can only be confirmed when you apply for cover.

If you're already a QSuper member, please log into Member Online to view your current cover and obtain a more accurate estimate.

Not sure how much cover you need? Try our Insurance Needs calculator.


1. Tell us about yourself

We'll need to get to know you a little better to estimate your premiums. Let's get started.


2. Tell us about your needs

Let us know how much insurance cover you think you need. Try our insurance needs analysis if you need help.

Death cover

Death insurance pays out a lump sum to your beneficiaries in the event of your death, or to yourself for a terminal illness.
More information about death insurance.

Consider the cost of mortgage or personal loan repayments, hospital fees, funeral costs and other expenses.


3. Your premium estimate

Here's an estimate based on the cover amounts you told us. We've also added some alternatives based on higher and lower levels of cover


The information you provide will be used for your premium estimates. We may also use the information for data analysis to improve QSuper products and services. Please refer to our privacy policy for further information.

The premium estimates are based on information provided in the Accumulation Account Insurance Guide (pdf). For the purpose of death and total and permanent disability (TPD) premium estimates we use the cost of fixed cover. There may be some variation if you choose unitised cover when applying for cover. For the purpose of Income Protection (IP) premium estimates we use the cost of unitised IP. There may be some variation if you choose salary based cover when applying for cover.

The premium estimates should be used as a guide only and you should consider getting advice from a financial adviser. Premiums are subject to rounding and are net of any tax deductions we claim. This is not an application for membership or insurance cover. You may be required to provide health and other information when applying for cover.

This calculator doesn’t check whether you are eligible for insurance, so your result is not an offer of cover. If you apply to increase your insurance, you may need to provide health and other information for us to assess your application.

The Board and QInvest Limited expressly disclaim all liability and responsibility to any person who relies, or partially relies, on anything done or omitted to be done by this estimator. The use of the estimator is subject to the terms of our disclaimer.