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Support for your loved ones
Death cover pays a lump sum to your beneficiaries (the people you choose to get your payout) if you die. It’s also known as life cover or life insurance. If you're diagnosed with a terminal illness, you may be able to get your death cover as a terminal illness benefit.
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.
If you're eligible for automatic cover, 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. But it may mean you'll have less for retirement.
How much you pay for death cover will depend on your age, the type and amount of cover you hold, and how you've personalised it.
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.
QSuper insurance is designed to be flexible. After you join, you can change your death cover by:
Make sure you think about how much money your family might need to help pay off any existing debts and cover their current and future living expenses.
You can change your cover by logging into Member Online.
Your death benefit will be paid out to your beneficiaries in the event of your death. So it's important to let us know who you'd like your super and death benefit to go to if the worst should happen.
By making a binding death benefit nomination, you can have peace of mind knowing that your family have the finances to help pay off any existing debts or living expenses. You can make a nomination by logging into Member Online.
Find out more about who you can choose to get your super.
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 download our QSuper 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 get cover immediately, starting from age 16 onwards; they're not restricted to being age 25 and over. Death cover ends at age 60 for Queensland police officers.
2. Up to the automatic acceptance limit.