Important information

Beneficiaries

Nominating one or more beneficiaries

You can nominate how you would like your death benefit to be distributed in the event that you pass away:

to your estate (to be distributed in accordance with your will), or
to your nominated beneficiary (or beneficiaries), or
for Transition to Retirement and Income accounts, if you nominate a reversionary beneficiary at commencement of your account, as continued income payments. Please check your current nominations to make sure they reflect your wishes. You can find out more by reading your Product Disclosure Statement (PDS) and our fact sheet, Nominate your beneficiaries.

Your nominated beneficiaries must be either

your dependants, or
your legal personal representative (for example, the executor of your will).

Your dependants include:

Your spouse as defined in the superannuation law, which generally includes:

your husband or wife;
another person (whether of the same sex or not) with whom you are in a registered relationship;
another person who, although not legally married to you, lives with you on a genuine domestic basis in a relationship as a couple

Your child as defined in the superannuation law, which generally includes:

your adopted child, step-child or ex-nuptial child;
your spouse's child;
someone who is a child of you within the meaning of the Family Law Act 1975

Any person with whom you have an interdependency relationship. This will occur where you have a close personal relationship with another person (whether or not related by family) and:

you and that person live together;
you, the other person, or both of you provide the other with financial support, and
you, the other person, or both of you provide the other with domestic support and personal care.

It will also occur where you have a close personal relationship with another person but due to a disability the other criteria of interdependency cannot be met.

Non-binding nominations: If you make non-binding nominations the law does not require the Trustee to pay your super as you have set it out in your nominations, but the Trustee must of course consider your nominations when deciding to pay your super.

Binding nominations: If you make valid binding nominations the Trustee will be bound to pay your super as you have set it out in your nominations. Binding nominations currently need to be updated every three years. If you wish to make this type of nomination please complete the appropriate binding nomination form available here. Superannuation law currently does not allow binding nomination forms to be completed online.

Reversionary beneficiary (Transition to Retirement account and Income accounts only

If you would like the balance of your account to be paid to your loved one after your death as a pension rather than lump sum, you can nominate them as your reversionary beneficiary. You can only nominate a reversionary beneficiary when you first commence the account.

Your non-binding nomination(s) will only apply to the account you are currently viewing. If you have multiple accounts with us, you will need to give us separate nominations for each account.

I agree to provide my email address and:

I acknowledge that it will be used to send me confirmation of this transaction once my request has been processed. I also agree that the Trustee may use these details in the future to send me information concerning my super electronically (unless I have otherwise told the Trustee).
I understand I can change my preference for receiving confirmation at any time by updating my personal details information via the update personal details page on the classic site, or by calling us on 1300 133 177.
If my email bounces, I acknowledge that I will be issued with a paper-based confirmation letter and that the email address recorded for my account will be removed. If this occurs, I will be prompted to provide an updated email the next time I log in to my account and access the personal details page.