Binding nominations

A superannuation binding nomination means we must pay your super and any insurance benefits in the portions you set out (some restrictions apply and your nomination must be valid).

Your nomination can be lapsing, which means you have to update it every three years, or non-lapsing, which means it will stay valid until you change or revoke it, or becomes invalid for another reason.

Make a binding nomination


Complete the Binding death benefit nomination form (PDF, 491 KB) at the back of the fact sheet and return it to us.

You'll need 2 witnesses to sign the form on the same date.

Non-binding nominations

A non-binding beneficiary is the person or people you would prefer your benefit to be paid to if you die.


  • This nomination is not binding to the trustee. We'll decide who receives your super and any insurance benefit, taking into consideration your nomination, circumstances (e.g. if you have any dependants) and the relevant laws at the time of your death.
  • A non-binding nomination won’t expire unless you change or revoke it.

Make a non-binding nomination

Log in to your account to choose or change your non-binding beneficiaries.

Who you can nominate

Your beneficiaries can be:

  • your spouse (including de facto or same-sex)
  • children of any age (including adopted and stepchildren)
  • someone in an interdependency relationship with you
  • financial dependents
  • your legal personal representative (the executor or administrator of your estate).

If you decide to nominate your legal personal representative, then your super forms part of your estate and will be distributed according to your Will or the intestacy laws of your state or territory if you don't have a Will.

If you don't nominate anyone

If you don't make a beneficiary nomination, we'll decide who receives your benefit. This could be one or more of your dependants and/or your legal personal representative, i.e. your estate.

Things to consider

  • You can change your nomination at any time by making a new nomination, provided you have the capacity to do so at the time.
  • You need to make sure you keep your nominations up to date if your personal circumstances change.
  • The tax implications for any beneficiaries you nominate (which you might need to speak to an adviser about).
  • We won’t accept a nomination made under a power of attorney.
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If you have any questions about beneficiaries, please call us on 1800 331 685 or contact us.
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