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Support for your loved ones
Death cover, also known as life cover or life insurance, is a lump sum paid to your loved ones to provide them with financial support in the event of your death or a terminal illness.
You may have death cover included with your QSuper account if you are aged between 25 and 69 and are otherwise eligible.1 You can check your current level of cover in Member Online.
Your level of cover depends on your age and employment arrangements.
We don't require any personal medical history before providing you with automatic cover (if eligible), so you can avoid the hassle of time-consuming health checks.2
The cost of your death cover is paid directly from your super account, not your take-home pay. This means that the cost won't impact your day-to-day budget, giving you more financial freedom.
How much you pay for death cover will depend on your age and employment arrangements.
Log in to Member Online to see how much death cover you have included with your QSuper account. If you don't have cover, you can apply online.
The real value of death cover is that your loved ones are supported when they need it most. We aim to make the claims process as simple as possible.
With unitised cover, how much you are insured for is based on multiple 'units' of cover. Each unit is worth a dollar value based on your age.
You can see your level of cover in Member Online.
Fixed cover is based on a fixed dollar amount nominated by you and will remain unchanged until you tell us you want to change it. You can buy fixed cover in multiples of $1,000 of cover, with the cost based on your age (up to age 69).
For more information about the insurance cover provided through QSuper, see our other Insurance FAQs, or read the Accumulation Account Insurance Guide (pdf).
It's easy to check how much insurance you have and make any changes, in Member Online.
1. Queensland emergency services workers receive cover immediately, starting from age 16 onwards; they are not restricted to being age 25 and over. 2. Up to the automatic acceptance limit.