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Life Insurance and Death Benefits Claims

Life insurance, which can also be referred to as Death Benefits, is a type of insurance that exists within an individual’s superannuation policy. It is compulsory for all Australian super funds to have this type of insurance included within their policy.


When a loved one passes it can have a huge impact emotionally and financially on a family unit. In many cases, hardship is often compounded if they were a source of income for their dependents.

If you were a spouse, child, or any other dependent of someone who has passed away, you may be entitled to all or part of their super contributions and connected insurance benefits. This is known as a life insurance claim. Our lawyers are experts in bringing about life insurance or death benefit claims and have helped many people get the money they have needed to bounce back and regain control over their life.

Making a life insurance claim

You are only entitled to make a life insurance or death benefit claim if you are a dependent of the deceased. Financially dependent is generally defined as someone who is fully or partially reliant on the deceased for financial support.

Dependents can be in the form of those legally married, de facto partners (including same sex partners), children, and financial dependents or inter dependents.

Why choose Shine Lawyers for your claim?

At Shine Lawyers we have a dedicated team of insurance claims lawyers who have experience in dealing with superannuation funds for life insurance claims. They can help deliver the best results for you and are always available to chat you through your claim - in plain English.

Who is Shine Lawyers' Superannuation & Insurance Law team?

Shine Lawyers' Superannuation & Insurance team includes some of the firm’s most experienced special counsel, solicitors and support staff, including law clerks and paralegals. The team includes:

Life insurance claims are also part of our 'No Win No Fee' guarantee, which means that you only pay for our legal costs if we are successful with your claim. For more information on this, click here.


Common Questions

Yes – but usually only by the policy holder if two doctors certify that the individual is suffering from a terminal illness and has less than one year to live.

How long a life insurance or death benefit claim takes depends on the complexity of your case. Most insurance benefit claims only take between twelve and eighteen months to be assessed by a fund or insurer. In less complex cases, it’s possible for it to be assessed earlier.

Yes – in death benefit claims you need to submit a claim form and documents showing your relationship to the deceased and any financial dependents. Your lawyer will help you every step of the way during this difficult time.

Yes – there are very strict time limits with regards to disputing decisions made about the distribution of life insurance or death benefits and these vary from policy to policy. Seek legal advice as soon as possible and before you receive any notification of a claim decision from a super fund.

Shine Lawyers are insurance claim experts and can help you make a death benefit claim on a No Win No Fee basis*. This means that you won’t have to pay our fees at all, unless we are successful in getting you the result you need.

*Conditions apply

Shine Lawyers are one of the biggest insurance claims lawyers in the country, and have the experience and nous to go up against the big superannuation funds and get you the result you are looking for – quickly.

At Shine Lawyers you will always have your own go-to team, who are always available to chat and who understand that explaining things in plain English to you is important.

We provide all of our insurance claims services on a No Win No Fee basis, which means you won’t have to pay our legal costs unless we win your claim at the end.

Hear from some of our clients below who have been through the claims process with us.


Shine Lawyers have offices in the following locations. As part of our service offering, home or hospital appointments can be arranged at your convenience.

Our compensation experts are in the following locations:

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