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.

Death cover when you join

Financial security for your family

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.

How much you're insured for

When you first join QSuper, we will let you know how much you're insured for. Your level of cover depends on your age, employment arrangements, and how you joined us.

No health checks

If you join QSuper online, we will give you the option to receive death cover if you are eligible. We don't require any personal medical history, so you can avoid the hassle of time-consuming health checks.2

Paid directly from your super

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.

Cost of death insurance cover

How much you pay for death cover will depend on your age and employment arrangements.

Get a quote

Check your current level of cover

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.

View cover

What else to consider

Make a death benefit claim

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.

Make a claim

Death cover FAQs Show all Hide all

You might have death cover included with your QSuper account, depending on how you joined QSuper, your employment arrangements, your age, and your account balance. Find out more or check your current level of cover in Member Online.
You can apply for death cover up to a maximum of $3 million for a full or part-time employee, including self-employed, and $1 million for a casual employee or unemployed person. Read the Accumulation Account Insurance Guide (pdf) for more information.


You may automatically receive unitised death cover when you join QSuper through an employer, depending on your age, account balance, and eligibility. If you join online, you can choose to receive unitised death cover if eligible.

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

For more information about the insurance cover provided through QSuper, see our other Insurance FAQs or read the Accumulation Account Insurance Guide (pdf).