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Leave your super in the right hands

Update your beneficiaries
What happens to your super when you die? Keeping your beneficiary nomination up to date helps ensure your super benefits* go to the right people and may reduce the time it takes for them to access your super.

Your money doesn't have to go to one person. You can provide us with a percentage breakdown of how the money should be distributed between your nominated beneficiaries. You can nominate any of the following:


Beneficiary Description
Your spouse Includes de facto and same sex partners.
Your child Includes adopted children, or a child of your spouse. 
Someone who is financially dependent on you  
Someone in an interdependency relationship with you

Generally, this exists where two people (whether or not related by family):

  • have a close personal relationship
  • live together
  • one or each of them provides the other with financial support, and
  • one or each of them provides the other with domestic support and personal care.

Two persons may also have an interdependency relationship if they have a close personal relationship and the only reason they fail to satisfy all the conditions above is that either or both of them suffer from a physical, intellectual or psychiatric disability, or they are temporarily living apart because, for example, one is overseas or in prison.

Your legal personal representative (your estate) The person appointed to manage your legal affairs after your death (either the executor of your Will or administrator of your estate). This way, your super benefits will be distributed according to the terms of your Will (if you have a valid Will), which may include those who are not generally considered to be dependent beneficiaries, e.g. siblings, nieces, nephews or charities. Remember it is likely you'll need to update your Will throughout your life as your circumstances change.


Whether the person you nominate is an eligible beneficiary will be determined based on the circumstances of your relationship at the time you pass away. The benefit* they receive may be taxed. Find out more about the tax treatment of lump sum payments.

Important information

*Depending on the products you hold, the benefit payable could include your super, your pension, or any life insurance linked to your super.

The information on this web page is of a general nature only and has been prepared by the Trustee without taking into account your objectives, financial circumstances or needs. Before acting on any of this information, you should consider whether it is appropriate to your objectives, financial circumstances and needs, and seek appropriate professional advice. You should not rely on this information to determine your personal tax obligations, please consult a registered tax agent for this purpose.