Default cover by fund and age
The default death (life) cover a member of each of 41 Australian super funds holds at ages 30, 40 and 50, and the default TPD cover at age 40, each on the fund's default occupation scale, from the PDS or insurance guide dated in the table. Data as at 16 October 2026.
Each figure is the fund's default number of units multiplied by what one unit buys at that age. Death and TPD are separate benefits and are never added together. Cover amounts only: no premium or fee appears on this page. Each fund's name links to its page in the checker, which shows every age.
HESTA is the only fund of the 41 with no default TPD.
As far as we are aware, this is the only free cross-fund lookup of default cover amounts by age.
Cite as: Insure Me For Life, Default cover by fund and age, as at 16 October 2026, https://www.insuremeforlife.com.au/super-insurance-checker/default-cover-by-age
| Fund | PDS date | Default occupation | Death at 30 | Death at 40 | Death at 50 | TPD at 40 |
|---|---|---|---|---|---|---|
| smartMonday PRIME | 1 July 2025 | Class 4 Blue collar | $522,792 | $522,792 | $261,397 | $522,792 |
| legalsuper | 1 September 2025 | Standard | $385,344 | $442,372 | $204,120 | $348,528 |
| NGS Super | 1 October 2025 | NGS General | $460,000 | $440,000 | $300,000 | $120,000 |
| REST Super | 29 August 2025 | Light Manual | $267,600 | $396,500 | $316,500 | $28,600 |
| Australian Ethical Super | 1 August 2025 | Light Manual | $385,200 | $383,400 | $142,200 | $383,400 |
| MLC MasterKey Business Super | 1 October 2025 | Light Blue collar | $388,000 | $353,000 | $174,000 | $353,000 |
| PSSap | 31 October 2025 | Default (occupation-independent) | $325,000 | $325,000 | $200,000 | $162,500 |
| ANZ Smart Choice Super | 5 December 2025 | Light Blue collar | $120,000 | $300,000 | $195,000 | $300,000 |
| Mercer Super | 1 January 2026 | White Collar | $100,000 | $285,000 | $95,000 | $285,000 |
| UniSuper | 25 September 2025 | Professional/Office Work | $203,000 | $266,000 | $134,000 | $266,000 |
| Vanguard Super | 8 November 2025 | Light Blue Collar | $198,650 | $263,290 | $146,009 | $131,645 |
| Aware Super | 30 April 2026 | Low Risk | $224,100 | $261,000 | $93,600 | $261,000 |
| QSuper | 1 July 2025 | Default Rate | $250,000 | $250,000 | $96,000 | $250,000 |
| Mercer Super (MyChoice) | 1 January 2026 | Life Stages Cover (occupation-independent) | $250,000 | $235,000 | $120,000 | $235,000 |
| Vision Super | 5 March 2026 | Standard | $262,500 | $228,000 | $61,500 | $228,000 |
| Catholic Super | 1 July 2025 | Standard | $175,000 | $225,000 | $100,000 | $225,000 |
| Equip Super | 1 October 2025 | Standard | $175,000 | $225,000 | $100,000 | $225,000 |
| Cbus Super | 1 December 2025 | Manual | $208,000 | $208,000 | $208,000 | $135,200 |
| REI Super | 1 July 2025 | White Collar | $220,000 | $205,200 | $108,000 | $205,200 |
| Virgin Money Super | 22 April 2025 | All Members | $243,000 | $202,800 | $50,700 | $202,800 |
| BUSSQ | 1 October 2025 | Manual | $200,000 | $200,000 | $200,000 | $60,000 |
| CommBank Essential Super | 1 November 2025 | Default (occupation-independent) | $150,000 | $200,000 | $100,000 | $200,000 |
| GESB Super | 1 July 2025 | Category 3 - Blue and heavy blue collar occupations | $200,000 | $200,000 | $160,000 | $200,000 |
| GuildSuper | 1 July 2025 | Active | $167,200 | $188,400 | $96,200 | $150,700 |
| Australian Retirement Trust | 1 July 2025 | Standard | $250,000 | $186,000 | $83,000 | $186,000 |
| CareSuper | 1 April 2026 | Active | $203,400 | $175,500 | $70,800 | $117,000 |
| HOSTPLUS | 18 November 2025 | Unknown/Light Blue | $113,092 | $174,102 | $57,752 | $145,085 |
| ESSSuper | 1 July 2025 | Non-Operational | $352,200 | $171,600 | $63,000 | $171,600 |
| Super SA Triple S | 30 September 2025 | Standard | $225,000 | $171,000 | $81,000 | $171,000 |
| HESTA | 1 July 2026 | General | $134,900 | $170,000 | $76,800 | none by default |
| AustralianSuper | 30 May 2026 | Blue Collar | $178,000 | $160,000 | $80,000 | $43,000 |
| NESS Super | 31 March 2025 | Standard (all members) | $160,000 | $160,000 | $96,000 | $110,000 |
| Brighter Super | 1 October 2025 | White Collar | $151,253 | $151,253 | $107,507 | $151,253 |
| First Super | 1 April 2026 | Blue Collar/manual | $200,000 | $125,600 | $70,800 | $125,600 |
| Mercer SmartSuper | 1 January 2026 | White Collar | $100,000 | $125,000 | $75,000 | $125,000 |
| Prime Super | 1 July 2025 | General | $115,640 | $115,640 | $55,200 | $115,640 |
| Nationwide Super | 1 October 2025 | Blue Collar | $99,999 | $105,000 | $51,000 | $63,000 |
| Team Super | 21 March 2025 | Group 1 - High Risk (Undeclared) and Group 1 - Manual | $152,000 | $104,000 | $70,000 | $104,000 |
| Australian Food Super | 1 November 2025 | Manual Worker | $124,600 | $103,800 | $83,100 | $51,900 |
| FirstChoice Employer Super | 23 February 2026 | Light blue collar | $111,112 | $66,666 | $25,000 | $66,666 |
| Equip Super (Corporate) | 1 October 2025 | Standard | $50,000 | $50,000 | $20,000 | $50,000 |
Compiled by Insure Me For Life from each fund's PDS or insurance guide. Funds reissue their guides and change cover; the date above is the last change to this dataset, and each row carries the date of the document it was read from.
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.
Figures shown are each fund's published default cover and are not recommendations. Before acting on this information, consider its appropriateness for your circumstances and read the relevant Product Disclosure Statement.