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.

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

If you're eligible for automatic cover, your level of cover depends on your age and employment arrangements.

No health checks

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

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. But it may mean you'll have less for retirement.

Cost of death insurance cover

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.

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 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 QSuper Insurance Guide (pdf) for more information.


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 download our QSuper Insurance Guide (pdf).