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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.
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.
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
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.
QSuper insurance is designed to be flexible. After you join, you can tailor your death cover by choosing to apply for fixed cover, increasing or decreasing your level of cover, cancelling or permanently opting in to cover, or changing how much you pay to reflect your job. Make sure you consider how much money your family might need to 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 is important to let us know who you would like to receive your super and death benefit 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 pay off any existing debts or living expenses. You can make a nomination by logging into Member Online.
More information about who you can nominate to receive 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.
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 about the insurance cover provided through QSuper, see our other Insurance FAQs or read the Accumulation Account Insurance Guide (pdf).
It takes less than five minutes to sign up online.
Already a member? Manage your insurance online.
1. 16-59 years old if you work for the Queensland Police Service.
2. Up to the automatic acceptance limit.