To have certainty around who'll get your super when you die, you can make a non-lapsing nomination for your AMP super account online via My AMP.

A non-lapsing nomination doesn’t expire and continues to apply until you choose to update or cancel it. However, your nomination becomes invalid if certain life events happen, like you get married, divorced or the nominated beneficiary dies or is no longer a dependant. It's important to review your non-lapsing nomination regularly to make sure it reflects your current circumstances.

You can make your non-lapsing nomination of beneficiary/s for your AMP super account online via My AMP. Making your non-lapsing nomination online is easy, secure and you don't need a witness.

Yes, you can make changes at any time online via My AMP or you can contact us.

No.  This means you don’t need to renew your nomination as it doesn’t expire. However they may become invalid if certain events happen or if a beneficiary is no longer a dependant at the date of your death.

No. You can only make a non-lapsing beneficiary nomination on your AMP super account. However, you may still have an existing non-binding nomination on your account and you may want to change it to a non-lapsing nomination.

If you choose to close or rollover your account (such as by doing a full withdrawal), the nomination on your account will be cancelled.

A will is a legal document that details your wishes around how you'd like your estate distributed after you die. Having a will and nominating your legal representative may give you the opportunity to leave your super to someone who is not a dependant. It’s a good idea to get legal advice around your will as they can be helpful in making things easier for the people you leave behind.

Most people update their will at various times throughout their life. And it's a good idea to get professional legal and financial advice about what you'd like your will to say.

If you have a valid, non-lapsing nomination that nominates your dependants to get some or all your super benefit, this will be paid to those people directly and won't form part of your estate.

Losing a loved one is a challenging time. If you need to make a death claim, we’ll make sure the process is as easy as possible.

You can lodge your claim online using the Online Claims Form. You can also:

Call: 1300 373 654 Mon-Fri 8.30am-5pm (AEST time).

Write: AMP Claims, PO Box 6346, Wetherill Park NSW 1851 Dharug Country

Email: amp_claims_admin@amp.com.au

There are many factors that determine how a death benefit is taxed. These include:

• Whether it’s paid to a dependant (e.g. a child, spouse) - under tax law
• If it’s withdrawn as a lump sum or income stream
• The tax-free and taxable parts of the benefit
• The age of the beneficiary
• The age of the person when they died (for income streams).

Generally, there are no taxes on lump sum death benefits paid to a dependant, as defined under tax law. Generally, a child who is 18 years or older is not a dependant under tax law unless they are a financial dependant.

To understand the taxable components of lump sum death benefits paid to a non financial dependant or other persons who are not dependant/s, visit the ATO or speak with your financial adviser.