Nominate a beneficiary

You can be confident your money will end up in the right hands.

What your beneficiary will receive

The amount payable to your dependents, or legal personal representatives (executors of your estate) is made up of:

  1. Your super balance

    This may include super contributions made by your employer or by you, and any amounts rolled over from other super funds (minus any relevant charges and taxes, and plus or minus any investment returns) and;

  2. Any insurance cover amount you’re entitled to

    This depends on your level of Death cover with us.

How you can nominate a beneficiary

If you pass away, who your insurance payout goes to is just as important as how much it is. You can either make a binding or non-binding nomination. If you want to make a binding nomination, you'll need to fill out a Binding death nomination form.

Binding death nomination form - pdf, 147KB

  • Non-binding nomination

    You can nominate who receives your money as a non-binding nomination. This isn’t legally binding. We’ll consider who you choose, but ultimately, we’re legally responsible for deciding who to pay your benefit to after you die, and we have to follow relevant laws.

    You can make a non-binding nomination through your online account at any time, complete the Change your details form, or by calling us on 1300 300 273 8am to 8pm AEST/AEDT weekdays.

  • Binding nomination

    With binding nominations, you provide formal written direction to us, telling us who you want your account balance and death benefit paid to. As long as it’s valid, your nomination is legally binding and we must follow it.

    This nomination comes into effect from the date we accept it, and expires three years from the date you sign the form. You can set up or change your binding nomination by completing a valid Binding death benefit nomination form.

Who you can nominate

Your beneficiaries can be:
  • a spouse (including de facto and same-sex)
  • children of any age (including adopted and stepchildren)
  • interdependants (someone who lives with you and shares a close personal relationship where one or both of you provide financial and domestic support, and personal care of the other)
  • other financial dependants (such as someone who relies on you financially)
  • your legal personal representative (who will be the executor of your estate)
  • Special conditions for children receiving payments

    Children aged between 18 and 25 who are financially dependent can choose to receive your account as regular income payments.

    • They’ll receive these payments until they’re 25 (or until your account runs out), and when they turn 25, what’s left will be paid to them as a lump sum
    • If your child is permanently disabled, they may continue to receive regular payments until the money runs out, regardless of their age

    Children under 18 may be paid into a trust account and a trustee will have responsibility for the money until they turn 18.

Want to know more?

To learn about insurance cover in more detail, download one of the Insurance in your super guides below.

Insurance guide - pdf, 2.9MB

Insurance guide (Public Sector Division) - pdf, 3.3MB

Get the right advice

Not sure about your cover? Speak to a financial adviser about your insurance needs.

Book now
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