Brighter Super default insurance cover by age

Brighter Super gives eligible members default cover automatically: 1 unit of death (life) cover and 1 unit of TPD cover, on the White Collar scale, paid from the member's super balance. The figures below are from the fund's current PDS (dated 1 October 2025), insured through TAL Life Limited.

Default death cover here peaks at $151,253 at age 20 and is $37,485 by age 60, a fall of 75%.

Default cover by age on the White Collar scale. Death and TPD are separate benefits and are never added together.
Age	Death cover	TPD cover	One death unit is worth	Weekly cost per death unit
15	$50,000	$50,000	$50,000	$0.40
16	$50,000	$50,000	$50,000	$0.48
17	$50,000	$50,000	$50,000	$0.51
18	$50,000	$50,000	$50,000	$0.56
19	$50,000	$50,000	$50,000	$0.57
20	$151,253	$151,253	$151,253	$1.62
21	$151,253	$151,253	$151,253	$1.53
22	$151,253	$151,253	$151,253	$1.40
23	$151,253	$151,253	$151,253	$1.34
24	$151,253	$151,253	$151,253	$1.24
25	$151,253	$151,253	$151,253	$1.20
26	$151,253	$151,253	$151,253	$1.18
27	$151,253	$151,253	$151,253	$1.16
28	$151,253	$151,253	$151,253	$1.11
29	$151,253	$151,253	$151,253	$1.11
30	$151,253	$151,253	$151,253	$1.14
31	$151,253	$151,253	$151,253	$1.11
32	$151,253	$151,253	$151,253	$1.14
33	$151,253	$151,253	$151,253	$1.19
34	$151,253	$151,253	$151,253	$1.24
35	$151,253	$151,253	$151,253	$1.29
36	$151,253	$151,253	$151,253	$1.36
37	$151,253	$151,253	$151,253	$1.46
38	$151,253	$151,253	$151,253	$1.53
39	$151,253	$151,253	$151,253	$1.67
40	$151,253	$151,253	$151,253	$1.77
41	$151,253	$151,253	$151,253	$1.91
42	$151,253	$151,253	$151,253	$2.11
43	$151,253	$151,253	$151,253	$2.22
44	$151,253	$151,253	$151,253	$2.32
45	$151,253	$151,253	$151,253	$2.44
46	$151,253	$151,253	$151,253	$2.57
47	$147,472	$147,472	$147,472	$2.62
48	$132,724	$132,724	$132,724	$2.46
49	$119,452	$119,452	$119,452	$2.30
50	$107,507	$107,507	$107,507	$2.14
51	$96,756	$96,756	$96,756	$2.00
52	$87,080	$87,080	$87,080	$1.87
53	$78,372	$78,372	$78,372	$1.75
54	$70,535	$70,535	$70,535	$1.63
55	$63,482	$63,482	$63,482	$1.54
56	$57,133	$57,133	$57,133	$1.45
57	$51,420	$51,420	$51,420	$1.36
58	$46,278	$46,278	$46,278	$1.28
59	$41,650	$41,650	$41,650	$1.21
60	$37,485	$37,485	$37,485	$1.14
61	$33,737	$33,737	$33,737	$1.07
62	$30,363	$30,363	$30,363	$1.01
63	$27,327	$27,327	$27,327	$0.95
64	$24,594	$24,594	$24,594	$0.89
65	$22,135	$22,135	$22,135	$0.84
66	$19,921	$19,921	$19,921	$0.79
67	$17,929	$17,929	$17,929	$0.74
68	$16,136	$16,136	$16,136	$0.69
69	$14,523	$14,523	$14,523	$0.65

Weekly costs are the fund's published rates. Brighter Super passes the super contributions tax benefit back to members, so the effective cost is about 7% less than the published rate.

Check this fund against your own age Compare retail cover across 9 insurers

General Advice Warning

This information is general advice only and does not take into account your personal objectives, financial situation, or needs. Before acting on any information, you should consider its appropriateness having regard to your own objectives, financial situation, and needs.