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    How does life insurance in super work?

    • Designed to help loved ones

      Life insurance (or death cover) is designed to provide financial support to your loved ones if you pass away. 

    • Beneficiaries may receive a lump sum

      It pays a lump sum to your eligible beneficiaries, on top of your super balance.  

    • Potential payment for terminal illness

      It may also provide an early payment if you’re diagnosed with a terminal illness. 

    Death cover payments
     

    • Once we’re notified that a member has passed away, their super account balance is typically moved into a low-risk investment option. 
    • When a death claim is made, the super balance and any insurance proceeds are paid to eligible beneficiaries as a lump sum.

    Terminal illness payments
     

    • If you’re diagnosed with a terminal illness, you may be able to receive an early payment of your death cover (up to a maximum amount, depending on your policy).
    • Any remaining amount may be paid to your beneficiaries as a death claim after you pass away.  

    Make a life insurance claim

     

    What you will need

    Claims are assessed based on your policy terms. For full details, check your insurance guide.

    Generally, to lodge a claim, the minimum information we’ll need from you includes:

    • Your first name, middle name, and last name
    • Your AMP Super membership number
    • Doctor’s certificates of illness dates (Terminal Illness claim only)
    • Death Certificate (Death claim only)
       
    Make a life insurance claim

    Eligibility

    • Life insurance is generally available to AMP Super members, but eligibility depends on your policy and plan. 
    • Payments are made to eligible beneficiaries if you pass away. 

    Example of a death claim payment

    Greg is 48 years old and runs a small business with his wife, Sue. Their three children are all under 12, when Greg has a sudden heart attack and passes-away. To add to the family’s devastation, Sue is left wondering what will happen to the business and how she will support the kids on her own.

    Because Greg took out life insurance through his super, Sue receives a lump sum benefit of $2 million. She uses the money to cover the costs of the funeral and clear the mortgage and bills while she tries to adjust to life without Greg and work out what to do next. It’s a relief to her that she doesn’t have to worry about money on top of everything else that follows Greg’s death.

    Thanks to the financial support the family receives, Sue is able to take adequate time to make a decision about the business - whether she wants to keep running it on her own, sell it, or hire a replacement for Greg’s role.

    As Greg calculated a level of cover that would ensure the same standard of living for as long as the children are still in school, Sue has peace of mind knowing her kids will be taken care of until they’re financially independent.

    Warning: This example it is illustrative only and is not an estimate of the insured amount you will receive or fees and costs you will incur. This example is based on the following assumptions (a) the cover amount remains the same throughout the period and the policy is not cancelled or suspended and (b) No waiting period applies to the policy.

    Need help with insurance?

    Not sure what cover you have or whether it's right for you? Speak with one of our qualified super advisors to better understand your options and learn more about your insurance through AMP Super.
    Speak to a Super Coach

    Next steps

    Frequently asked questions

    Life insurance and death cover in super generally pays a lump sum to your eligible beneficiaries if you pass away, in addition to your super account balance.

    Life insurance payments are made to your eligible beneficiaries. 

    Death cover may not be paid in some circumstances, check your insurance guide.

    The rules for accessing insurance payments and releasing your super may differ, so it’s important to check your insurance guide and consider your personal circumstances.

    Important information

    Products in the AMP Super Fund and the Wealth Personal Superannuation and Pension Fund are issued by N.M. Superannuation Proprietary Limited (N.M. Super) ABN 31 008 428 322 (trustee).

    Any advice is general only and is provided by AWM Services Pty Ltd ABN 15 139 353 496, AFSL 366121 (AWM Services). It hasn’t taken your financial or personal circumstances into account. It’s important to consider your personal circumstances and read the relevant PDS and TMD available from AMP at amp.com.au or by calling 131 267, and consider seeking advice before deciding what’s right for you.

    You can read our Financial Services Guide online for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. You can also ask us for a hardcopy. All information on this website is subject to change without notice. AWM Services and NM Super are part of the AMP group and can be contacted on 131 267 or askamp@amp.com.au.

    The information is current as at August 2026.