Valid beneficiaries for a non-lapsing death benefit nomination

Each person that you nominate must be a valid beneficiary under super law, which means at the date of your death they must be one of the following:

  • your spouse, which must be (i) a person (whether of the same or opposite sex) who is legally married to you, (ii) a person (same or opposite sex) with whom you are in a relationship that is registered under a prescribed state/territory relationships register, or (iii) a person (same or opposite sex) who, although not legally married to you, lives with you on a genuine domestic basis in a relationship as a couple
  • your child, which includes (i) your natural, adopted, ex- nuptial or step-child, (ii) the natural, adopted, ex-nuptial or step-child of your spouse as defined above, or (iii) a child born to you or your spouse through artificial conception or surrogacy
  • a person with whom you have an interdependency relationship, which, according to super law, exists between two people where (i) they have a close personal relationship and they live together and one or each of them provides the other with financial support and one or each of them provides the other with domestic support and personal care, or (ii) they have a close personal relationship and one or both of them suffer from a physical, intellectual or psychiatric disability, as a result of which they do not live together, nor provide financial or domestic support to each other
  • a person who, in the opinion of the trustee, is wholly or substantially financially dependent on you, or who has a legal right to look to you for financial support
  • your legal personal representative (i.e. the executor or administrator of your estate).