Death cover

Death cover is also known as life insurance1 cover. This cover can provide a lump sum payment if you die.

This page outlines the key features of Death cover for AustralianSuper plan members. To find our what plan you’re on, log into your account online and visit Insurance > Manage insurance. If you aren’t a member of AustralianSuper plan, please refer to the relevant Product Disclosure Statement for more information.

What is Death cover

Death cover can help ease financial stress by providing a lump sum payment to your beneficiaries if you die. If you have Death cover, you’re also covered for terminal illness.

How Death cover works

Death cover can provide a lump sum payment if you die. Your super balance and Death cover amount are paid together to your beneficiaries. This is called the super death benefit. For more information, refer to the Super death benefits page.

Insurance costs

The cost of your cover2 depends on your age, cover amount and individual work rating.
Use the insurance calculator to work out how much your cover will cost.

Terminal illness

If you have Death cover, and you’re diagnosed with a terminal illness, you may be eligible to receive a terminal illness benefit payment. You may also be able to access your super account balance.
For more information, see the Applying for a terminal illness payment fact sheet.

Work rating

A work rating classifies the usual activities of your job into one of three ratings: Blue Collar, White Collar or Professional. Our default work rating is Blue Collar, which is also the most expensive3. Check the work rating tool.

Age-based cover

Basic TPD cover is age based, which means the amount and cost of cover changes as you get older. If you want to increase your cover, you’ll need to provide detailed health information for the Insurer1 to consider.
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How much cover do you need?

When thinking about how much cover you need (if any), consider:

  • your age
  • if you have a partner
  • if you have children/dependents
  • your goals and future living expenses
  • any debts you may have.

Use the insurance calculator to estimate how much Death cover you might need.

Calculate your cover and the cost

What age-based cover will I get and how much will it cost?

Select your age to see how much cover you can get and the cost of it.
  • Assumptions

    Age-based cover amounts and costs are for members in our AustralianSuper plan, with a Blue Collar individual work rating, and Income Protection with a 60-day waiting period and a benefit payment period up to two years. You should check the Product Disclosure Statement for important information about insurance.

    If you’re an AustralianSuper Select member, details about your cover and costs are in the AustralianSuper Select booklet for your employer. Find your booklet here.

Tell us your age

Age: 15

Death cover

Amount: $20,000

Weekly cost: $0.14

Total & Permanent Disablement cover

Amount: $10,000

Weekly cost: $0.10

Income Protection

Amount (a month): $1,000

Weekly cost: $0.11

Total weekly cost of cover: $0.35
Costs are deducted monthly from your super account.

Age: 16

Death cover

Amount: $20,000

Weekly cost: $0.14

Total & Permanent Disablement cover

Amount: $10,000

Weekly cost: $0.10

Income Protection

Amount (a month): $1,000

Weekly cost: $0.11

Total weekly cost of cover: $0.35
Costs are deducted monthly from your super account.

Age: 17

Death cover

Amount: $20,000

Weekly cost: $0.14

Total & Permanent Disablement cover

Amount: $10,000

Weekly cost: $0.10

Income Protection

Amount (a month): $1,000

Weekly cost: $0.11

Total weekly cost of cover: $0.35
Costs are deducted monthly from your super account.

Age: 18

Death cover

Amount: $50,000

Weekly cost: $0.35

Total & Permanent Disablement cover

Amount: $20,000

Weekly cost: $0.19

Income Protection

Amount (a month): $1,500

Weekly cost: $0.17

Total weekly cost of cover: $0.71
Costs are deducted monthly from your super account.

Age: 19

Death cover

Amount: $50,000

Weekly cost: $0.36

Total & Permanent Disablement cover

Amount: $20,000

Weekly cost: $0.19

Income Protection

Amount (a month): $1,500

Weekly cost: $0.17

Total weekly cost of cover: $0.72
Costs are deducted monthly from your super account.

Age: 20

Death cover

Amount: $50,000

Weekly cost: $0.36

Total & Permanent Disablement cover

Amount: $20,000

Weekly cost: $0.19

Income Protection

Amount (a month): $1,500

Weekly cost: $0.17

Total weekly cost of cover: $0.72
Costs are deducted monthly from your super account.

Age: 21

Death cover

Amount: $50,000

Weekly cost: $0.36

Total & Permanent Disablement cover

Amount: $20,000

Weekly cost: $0.20

Income Protection

Amount (a month): $1,500

Weekly cost: $0.20

Total weekly cost of cover: $0.76
Costs are deducted monthly from your super account.

Age: 22

Death cover

Amount: $100,000

Weekly cost: $0.72

Total & Permanent Disablement cover

Amount: $40,000

Weekly cost: $0.39

Income Protection

Amount (a month): $1,900

Weekly cost: $0.29

Total weekly cost of cover: $1.40
Costs are deducted monthly from your super account.

Age: 23

Death cover

Amount: $100,000

Weekly cost: $0.73

Total & Permanent Disablement cover

Amount: $40,000

Weekly cost: $0.39

Income Protection

Amount (a month): $1,900

Weekly cost: $0.32

Total weekly cost of cover: $1.44
Costs are deducted monthly from your super account.

Age: 24

Death cover

Amount: $100,000

Weekly cost: $0.74

Total & Permanent Disablement cover

Amount: $40,000

Weekly cost: $0.39

Income Protection

Amount (a month): $1,900

Weekly cost: $0.38

Total weekly cost of cover: $1.51
Costs are deducted monthly from your super account.

Age: 25

Death cover

Amount: $116,000

Weekly cost: $0.88

Total & Permanent Disablement cover

Amount: $48,000

Weekly cost: $0.42

Income Protection

Amount (a month): $1,900

Weekly cost: $0.40

Total weekly cost of cover: $1.70
Costs are deducted monthly from your super account.

Age: 26

Death cover

Amount: $132,000

Weekly cost: $1.03

Total & Permanent Disablement cover

Amount: $52,000

Weekly cost: $0.49

Income Protection

Amount (a month): $2,000

Weekly cost: $0.48

Total weekly cost of cover: $2.00
Costs are deducted monthly from your super account.

Age: 27

Death cover

Amount: $147,000

Weekly cost: $1.19

Total & Permanent Disablement cover

Amount: $56,000

Weekly cost: $0.55

Income Protection

Amount (a month): $2,200

Weekly cost: $0.57

Total weekly cost of cover: $2.31
Costs are deducted monthly from your super account.

Age: 28

Death cover

Amount: $161,000

Weekly cost: $1.35

Total & Permanent Disablement cover

Amount: $58,000

Weekly cost: $0.60

Income Protection

Amount (a month): $2,300

Weekly cost: $0.67

Total weekly cost of cover: $2.62
Costs are deducted monthly from your super account.

Age: 29

Death cover

Amount: $175,000

Weekly cost: $1.51

Total & Permanent Disablement cover

Amount: $61,000

Weekly cost: $0.71

Income Protection

Amount (a month): $2,400

Weekly cost: $0.74

Total weekly cost of cover: $2.96
Costs are deducted monthly from your super account.

Age: 30

Death cover

Amount: $178,000

Weekly cost: $1.57

Total & Permanent Disablement cover

Amount: $61,000

Weekly cost: $0.77

Income Protection

Amount (a month): $2,500

Weekly cost: $0.90

Total weekly cost of cover: $3.24
Costs are deducted monthly from your super account.

Age: 31

Death cover

Amount: $182,000

Weekly cost: $1.67

Total & Permanent Disablement cover

Amount: $60,000

Weekly cost: $0.83

Income Protection

Amount (a month): $2,600

Weekly cost: $1.01

Total weekly cost of cover: $3.51
Costs are deducted monthly from your super account.

Age: 32

Death cover

Amount: $183,000

Weekly cost: $1.79

Total & Permanent Disablement cover

Amount: $59,000

Weekly cost: $0.91

Income Protection

Amount (a month): $2,700

Weekly cost: $1.16

Total weekly cost of cover: $3.86
Costs are deducted monthly from your super account.

Age: 33

Death cover

Amount: $183,000

Weekly cost: $1.87

Total & Permanent Disablement cover

Amount: $57,000

Weekly cost: $0.97

Income Protection

Amount (a month): $2,800

Weekly cost: $1.34

Total weekly cost of cover: $4.18
Costs are deducted monthly from your super account.

Age: 34

Death cover

Amount: $183,000

Weekly cost: $1.94

Total & Permanent Disablement cover

Amount: $56,000

Weekly cost: $1.04

Income Protection

Amount (a month): $2,900

Weekly cost: $1.51

Total weekly cost of cover: $4.49
Costs are deducted monthly from your super account.

Age: 35

Death cover

Amount: $180,000

Weekly cost: $2.02

Total & Permanent Disablement cover

Amount: $53,000

Weekly cost: $1.09

Income Protection

Amount (a month): $3,000

Weekly cost: $1.68

Total weekly cost of cover: $4.79
Costs are deducted monthly from your super account.

Age: 36

Death cover

Amount: $178,000

Weekly cost: $2.10

Total & Permanent Disablement cover

Amount: $51,000

Weekly cost: $1.17

Income Protection

Amount (a month): $3,000

Weekly cost: $1.80

Total weekly cost of cover: $5.07
Costs are deducted monthly from your super account.

Age: 37

Death cover

Amount: $174,000

Weekly cost: $2.16

Total & Permanent Disablement cover

Amount: $49,000

Weekly cost: $1.23

Income Protection

Amount (a month): $3,000

Weekly cost: $1.95

Total weekly cost of cover: $5.34
Costs are deducted monthly from your super account.

Age: 38

Death cover

Amount: $171,000

Weekly cost: $2.27

Total & Permanent Disablement cover

Amount: $47,000

Weekly cost: $1.28

Income Protection

Amount (a month): $3,100

Weekly cost: $2.17

Total weekly cost of cover: $5.72
Costs are deducted monthly from your super account.

Age: 39

Death cover

Amount: $166,000

Weekly cost: $2.31

Total & Permanent Disablement cover

Amount: $45,000

Weekly cost: $1.35

Income Protection

Amount (a month): $3,100

Weekly cost: $2.29

Total weekly cost of cover: $5.95
Costs are deducted monthly from your super account.

Age: 40

Death cover

Amount: $160,000

Weekly cost: $2.40

Total & Permanent Disablement cover

Amount: $43,000

Weekly cost: $1.40

Income Protection

Amount (a month): $3,100

Weekly cost: $2.48

Total weekly cost of cover: $6.28
Costs are deducted monthly from your super account.

Age: 41

Death cover

Amount: $154,000

Weekly cost: $2.48

Total & Permanent Disablement cover

Amount: $40,000

Weekly cost: $1.42

Income Protection

Amount (a month): $3,100

Weekly cost: $2.64

Total weekly cost of cover: $6.54
Costs are deducted monthly from your super account.

Age: 42

Death cover

Amount: $146,000

Weekly cost: $2.51

Total & Permanent Disablement cover

Amount: $37,000

Weekly cost: $1.44

Income Protection

Amount (a month): $3,100

Weekly cost: $2.85

Total weekly cost of cover: $6.80
Costs are deducted monthly from your super account.

Age: 43

Death cover

Amount: $140,000

Weekly cost: $2.58

Total & Permanent Disablement cover

Amount: $34,000

Weekly cost: $1.45

Income Protection

Amount (a month): $3,100

Weekly cost: $3.04

Total weekly cost of cover: $7.07
Costs are deducted monthly from your super account.

Age: 44

Death cover

Amount: $131,000

Weekly cost: $2.62

Total & Permanent Disablement cover

Amount: $32,000

Weekly cost: $1.48

Income Protection

Amount (a month): $3,100

Weekly cost: $3.62

Total weekly cost of cover: $7.36
Costs are deducted monthly from your super account.

Age: 45

Death cover

Amount: $124,000

Weekly cost: $2.67

Total & Permanent Disablement cover

Amount: $29,000

Weekly cost: $1.46

Income Protection

Amount (a month): $3,100

Weekly cost: $3.50

Total weekly cost of cover: $7.63
Costs are deducted monthly from your super account.

Age: 46

Death cover

Amount: $115,000

Weekly cost: $2.69

Total & Permanent Disablement cover

Amount: $27,000

Weekly cost: $1.48

Income Protection

Amount (a month): $3,100

Weekly cost: $3.78

Total weekly cost of cover: $7.95
Costs are deducted monthly from your super account.

Age: 47

Death cover

Amount: $107,000

Weekly cost: $2.72

Total & Permanent Disablement cover

Amount: $23,000

Weekly cost: $1.37

Income Protection

Amount (a month): $3,000

Weekly cost: $3.90

Total weekly cost of cover: $7.99
Costs are deducted monthly from your super account.

Age: 48

Death cover

Amount: $98,000

Weekly cost: $2.70

Total & Permanent Disablement cover

Amount: $21,000

Weekly cost: $1.35

Income Protection

Amount (a month): $3,000

Weekly cost: $4.14

Total weekly cost of cover: $8.19
Costs are deducted monthly from your super account.

Age: 49

Death cover

Amount: $90,000

Weekly cost: $2.72

Total & Permanent Disablement cover

Amount: $19,000

Weekly cost: $1.33

Income Protection

Amount (a month): $3,000

Weekly cost: $4.44

Total weekly cost of cover: $8.49
Costs are deducted monthly from your super account.

Age: 50

Death cover

Amount: $80,000

Weekly cost: $2.65

Total & Permanent Disablement cover

Amount: $17,000

Weekly cost: $1.30

Income Protection

Amount (a month): $3,000

Weekly cost: $4.77

Total weekly cost of cover: $8.72
Costs are deducted monthly from your super account.

Age: 51

Death cover

Amount: $72,000

Weekly cost: $2.62

Total & Permanent Disablement cover

Amount: $15,000

Weekly cost: $1.26

Income Protection

Amount (a month): $3,000

Weekly cost: $5.10

Total weekly cost of cover: $8.98
Costs are deducted monthly from your super account.

Age: 52

Death cover

Amount: $63,000

Weekly cost: $2.52

Total & Permanent Disablement cover

Amount: $13,000

Weekly cost: $1.20

Income Protection

Amount (a month): $2,900

Weekly cost: $5.25

Total weekly cost of cover: $8.97
Costs are deducted monthly from your super account.

Age: 53

Death cover

Amount: $54,000

Weekly cost: $2.38

Total & Permanent Disablement cover

Amount: $11,000

Weekly cost: $1.12

Income Protection

Amount (a month): $2,900

Weekly cost: $5.63

Total weekly cost of cover: $9.13
Costs are deducted monthly from your super account.

Age: 54

Death cover

Amount: $46,000

Weekly cost: $2.25

Total & Permanent Disablement cover

Amount: $10,000

Weekly cost: $1.14

Income Protection

Amount (a month): $2,900

Weekly cost: $6.00

Total weekly cost of cover: $9.39
Costs are deducted monthly from your super account.

Age: 55

Death cover

Amount: $37,000

Weekly cost: $2.00

Total & Permanent Disablement cover

Amount: $9,000

Weekly cost: $1.13

Income Protection

Amount (a month): $2,800

Weekly cost: $6.22

Total weekly cost of cover: $9.35
Costs are deducted monthly from your super account.

Age: 56

Death cover

Amount: $30,000

Weekly cost: $1.81

Total & Permanent Disablement cover

Amount: $7,000

Weekly cost: $0.98

Income Protection

Amount (a month): $2,800

Weekly cost: $6.61

Total weekly cost of cover: $9.40
Costs are deducted monthly from your super account.

Age: 57

Death cover

Amount: $22,000

Weekly cost: $1.48

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $0.96

Income Protection

Amount (a month): $2,800

Weekly cost: $7.06

Total weekly cost of cover: $9.50
Costs are deducted monthly from your super account.

Age: 58

Death cover

Amount: $15,000

Weekly cost: $1.13

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $1.09

Income Protection

Amount (a month): $2,800

Weekly cost: $7.53

Total weekly cost of cover: $9.75
Costs are deducted monthly from your super account.

Age: 59

Death cover

Amount: $9,000

Weekly cost: $0.76

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $1.26

Income Protection

Amount (a month): $2,700

Weekly cost: $7.72

Total weekly cost of cover: $9.74
Costs are deducted monthly from your super account.

Age: 60

Death cover

Amount: $9,000

Weekly cost: $0.85

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.10

Income Protection

Amount (a month): $2,700

Weekly cost: $8.24

Total weekly cost of cover: $10.19
Costs are deducted monthly from your super account.

Age: 61

Death cover

Amount: $9,000

Weekly cost: $0.96

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.34

Income Protection

Amount (a month): $2,600

Weekly cost: $8.48

Total weekly cost of cover: $10.78
Costs are deducted monthly from your super account.

Age: 62

Death cover

Amount: $9,000

Weekly cost: $1.09

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.58

Income Protection

Amount (a month): $2,600

Weekly cost: $9.02

Total weekly cost of cover: $11.69
Costs are deducted monthly from your super account.

Age: 63

Death cover

Amount: $9,000

Weekly cost: $1.19

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.82

Income Protection

Amount (a month): $2,600

Weekly cost: $9.59

Total weekly cost of cover: $12.60
Costs are deducted monthly from your super account.

Age:64

Death cover

Amount: $9,000

Weekly cost: $1.23

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $2.08

Income Protection

Amount (a month): $2,500

Weekly cost: $9.85

Total weekly cost of cover: $13.16
Costs are deducted monthly from your super account.

Age:65

Death cover

Amount: $9,000

Weekly cost: $1.28

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection

Amount (a month): $2,400

Weekly cost: $10.08

Total weekly cost of cover: $11.36
Costs are deducted monthly from your super account.

Age:66

Death cover

Amount: $9,000

Weekly cost: $1.33

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection

Amount (a month): $2,400

Weekly cost: $10.68

Total weekly cost of cover: $12.01
Costs are deducted monthly from your super account.

Age: 67

Death cover

Amount: $9,000

Weekly cost: $1.38

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection

Amount (a month): $2,300

Weekly cost: $10.90

Total weekly cost of cover: $12.28
Costs are deducted monthly from your super account.

Age:68

Death cover

Amount: $9,000

Weekly cost: $1.43

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection

Amount (a month): $2,200

Weekly cost: $10.54

Total weekly cost of cover: $11.97
Costs are deducted monthly from your super account.

Age: 69

Death cover

Amount: $9,000

Weekly cost: $1.47

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection

Amount (a month): $2,200

Weekly cost: $6.84

Total weekly cost of cover: $8.31
Costs are deducted monthly from your super account.

Apply for Death cover

Death cover is available for members aged 15 to 69.
If the basic cover you’re automatically provided with doesn’t suit your needs, you can apply for age-based, fixed or extra (fixed) cover.
There’s no maximum limit to the amount of Death cover you can apply for.
You can apply for Death cover by logging into your account online . If you don’t have an online account, you’ll first need to register for online access.
If you want to change or cancel your cover, visit the Change or cancel your cover page.

Why it’s important to review your cover

Regularly reviewing your cover helps ensure it still meets your needs. Consider how changes in your life, such as marriage or having children, might affect your insurance needs. Log into your account online to review your cover.

Make a claim

In the past decade to 30 June 2024, we’ve paid over $4.5 billion in insurance claims, giving you peace of mind knowing we’ve got you covered.

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