The Insurance Quoter - Comparison Quotes on Life Insurance & Income Protection

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Life Insurance: Super cover or stand alone?

It’s estimated that up to 70% of life Insurance polices are now bought through superannuation funds.  This estimate comes from the Investment and Financial services association (IFSA).

Insurance through super does not include trauma insurance and long term income protection products.  Many super funds offer income protection although those that do have a maximum benefit period of 2 years.

All the major insurance companies allow their clients to own their life insurance under super if they wish to do so.  Many people also choose to own their insurance products under their SMSF’s due to the taxation benefits.

Clearly some life cover through your super is better than none although it is best to find out exactly what you’re getting through your super.

Insurance through super is complicated and depends on each individual’s situation.  Fill out our contact form to get in touch with one of our experienced advisors.

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