GuildSuper default insurance cover by age

GuildSuper gives eligible members default cover automatically: 1 unit of death (life) cover and 1 unit of TPD cover, on the Active scale, paid from the member's super balance. The figures below are from the fund's current PDS (dated 1 July 2025), insured through MetLife Insurance Limited.

Default death cover here peaks at $192,300 at age 38 and is $21,000 by age 60, a fall of 87%.

Default cover by age on the Active 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
16	$30,000	$97,500	$30,000	$0.15
17	$34,800	$101,100	$34,800	$0.18
18	$40,000	$104,100	$40,000	$0.22
19	$46,200	$108,000	$46,200	$0.27
20	$53,200	$112,400	$53,200	$0.33
21	$60,500	$117,000	$60,500	$0.42
22	$73,600	$125,200	$73,600	$0.53
23	$86,900	$133,200	$86,900	$0.64
24	$100,300	$140,800	$100,300	$0.77
25	$113,500	$147,800	$113,500	$0.91
26	$126,600	$154,500	$126,600	$1.06
27	$139,200	$160,500	$139,200	$1.21
28	$150,200	$165,000	$150,200	$1.36
29	$159,500	$167,900	$159,500	$1.50
30	$167,200	$169,300	$167,200	$1.65
31	$173,400	$169,400	$173,400	$1.79
32	$178,400	$168,500	$178,400	$1.94
33	$182,500	$166,900	$182,500	$2.09
34	$185,800	$164,700	$185,800	$2.24
35	$188,200	$161,800	$188,200	$2.38
36	$190,300	$159,600	$190,300	$2.52
37	$192,200	$157,400	$192,200	$2.65
38	$192,300	$155,200	$192,300	$2.77
39	$191,100	$152,900	$191,100	$2.87
40	$188,400	$150,700	$188,400	$2.95
41	$184,300	$147,400	$184,300	$3.00
42	$178,600	$142,900	$178,600	$3.02
43	$171,500	$137,200	$171,500	$3.01
44	$162,900	$130,300	$162,900	$2.96
45	$152,500	$122,000	$152,500	$2.94
46	$140,800	$112,600	$140,800	$2.89
47	$129,000	$103,200	$129,000	$2.82
48	$117,600	$94,100	$117,600	$2.74
49	$106,600	$85,300	$106,600	$2.65
50	$96,200	$77,000	$96,200	$2.55
51	$86,300	$69,000	$86,300	$2.43
52	$76,800	$61,400	$76,800	$2.31
53	$68,000	$54,400	$68,000	$2.17
54	$59,700	$47,800	$59,700	$2.02
55	$51,900	$41,500	$51,900	$1.88
56	$44,800	$35,800	$44,800	$1.70
57	$37,800	$30,200	$37,800	$1.52
58	$31,400	$25,100	$31,400	$1.34
59	$25,800	$20,600	$25,800	$1.17
60	$21,000		$21,000	$1.00
61	$16,800		$16,800	$0.85
62	$13,200		$13,200	$0.71
63	$10,300		$10,300	$0.59
64	$8,000		$8,000	$0.50
65	$6,300		$6,300	$0.46
66	$5,300		$5,300	$0.46
67	$4,800		$4,800	$0.44
68	$4,200		$4,200	$0.43
69	$3,700		$3,700	$0.41

Weekly costs are the fund's published rates.

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.