BUSSQ default insurance cover by age

BUSSQ gives eligible members default cover automatically: 4 units of death (life) cover and 4 units of TPD cover, on the Manual scale, paid from the member's super balance. The figures below are from the fund's current PDS (dated 1 October 2025), insured through Zurich Australia Limited.

Default death cover here peaks at $200,000 at age 15 and is $78,000 by age 60, a fall of 61%.

Default cover by age on the Manual 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	$200,000	$200,000	$50,000	$0.81
16	$200,000	$200,000	$50,000	$0.81
17	$200,000	$200,000	$50,000	$0.81
18	$200,000	$200,000	$50,000	$0.81
19	$200,000	$200,000	$50,000	$0.81
20	$200,000	$200,000	$50,000	$0.81
21	$200,000	$60,000	$50,000	$1.85
22	$200,000	$60,000	$50,000	$1.85
23	$200,000	$60,000	$50,000	$1.85
24	$200,000	$60,000	$50,000	$1.85
25	$200,000	$60,000	$50,000	$1.85
26	$200,000	$60,000	$50,000	$1.85
27	$200,000	$60,000	$50,000	$1.85
28	$200,000	$60,000	$50,000	$1.85
29	$200,000	$60,000	$50,000	$1.85
30	$200,000	$60,000	$50,000	$1.85
31	$200,000	$60,000	$50,000	$1.85
32	$200,000	$60,000	$50,000	$1.85
33	$200,000	$60,000	$50,000	$1.85
34	$200,000	$60,000	$50,000	$1.85
35	$200,000	$60,000	$50,000	$1.85
36	$200,000	$60,000	$50,000	$1.85
37	$200,000	$60,000	$50,000	$1.85
38	$200,000	$60,000	$50,000	$1.85
39	$200,000	$60,000	$50,000	$1.85
40	$200,000	$60,000	$50,000	$1.85
41	$200,000	$60,000	$50,000	$1.85
42	$200,000	$60,000	$50,000	$1.85
43	$200,000	$60,000	$50,000	$1.85
44	$200,000	$60,000	$50,000	$1.85
45	$200,000	$60,000	$50,000	$1.85
46	$200,000	$60,000	$50,000	$1.85
47	$200,000	$60,000	$50,000	$1.85
48	$200,000	$60,000	$50,000	$1.85
49	$200,000	$60,000	$50,000	$1.85
50	$200,000	$60,000	$50,000	$1.85
51	$156,000	$60,000	$39,000	$1.85
52	$156,000	$60,000	$39,000	$1.85
53	$156,000	$60,000	$39,000	$1.85
54	$156,000	$60,000	$39,000	$1.85
55	$156,000	$60,000	$39,000	$1.85
56	$140,400	$54,000	$35,100	$1.85
57	$124,800	$48,000	$31,200	$1.85
58	$109,200	$42,000	$27,300	$1.85
59	$93,600	$36,000	$23,400	$1.85
60	$78,000	$30,000	$19,500	$1.85
61	$62,000	$24,000	$15,500	$1.85
62	$46,800	$18,000	$11,700	$1.85
63	$31,200	$12,000	$7,800	$1.85
64	$16,000	$6,000	$4,000	$1.85
65	$12,000		$3,000	$1.85
66	$12,000		$3,000	$1.85
67	$12,000		$3,000	$1.85
68	$12,000		$3,000	$1.85
69	$12,000		$3,000	$1.85

Weekly costs are the fund's published rates. The tax benefit on premiums is retained by the fund, so the published rate is the member cost.

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.