This is to suggest the Australian Government permit and require superannuation funds to accept an electronic binding death benefit nomination, secured with two factor authentication, which do not lapse. I just asked two people to witness my form. They both commented that they should get around to doing this. But it requires filling out a paper form, getting two people to witness it, and then sending the paper form in. So I suspect few do, resulting in suffering and cost for their dependents. This could be changed to a simply click of a mouse on the fund's website.