Risk at riskBY JAMES FERNYHOUGH, LAURA MILLAN | VOLUME 6, ISSUE 2In the wake of the group insurance crisis, super funds are one-by-one renegotiating their contracts with their life insurers. As a result, premiums are rising significantly, in ... Get articles like this delivered to your email - Sign up for the free weekly newsletter  More Articles |
Latest News
ATO helps return over $1bn in super
The ATO has helped return over $1.1 billion in unpaid super to over 900,000 Australians in FY26, a significant increase from $795 million in the previous financial year.
NZ Super terminates internal active NZ equites mandate
Following the completion of a review of its investment management, NZ Super has decided to terminate its internally managed fundamental active equities mandate for New Zealand equities, while welcoming a new portfolio manager for alternative investments.
MLC Expand taps private equity owner's US network on AI
MLC Expand's new private equity owner is helping the platform leverage its US network to fast-track its AI capabilities, chief executive Liz McCarthy said.
Australian Ethical ups fees across most super options
Australian Ethical has increased fees across most of its superannuation investment options shortly after decreasing them earlier in the year.
Further Reading
Cover Story
In the right place
VASYL NAIR
CHIEF EXECUTIVE OFFICER
TEAM SUPERANNUATION FUND
CHIEF EXECUTIVE OFFICER
TEAM SUPERANNUATION FUND
Team Super chief executive Vasyl Nair reflects on the winding path from law to superannuation, the people who shaped him and the changing role of super funds in people's lives. Vinny Vucago writes.
Expert Feed
New world order: How to invest under financial repression
The era in which capital flowed towards the highest returns is giving way to one where governments have increasing influence where savings are invested.
Private credit: Reality check
Private credit has become the financial market's favorite source of anxiety. That concern is understandable. But it is also overdone.
A perfect storm for retirees and the critical moment for advice
Twelve months ago, I wrote in FS Super about the importance of trust and stability in Australia's retirement system. One year on, that need has only become ...
GP Stakes: A new source of diversification and yield for investors
Talk to investors about private markets right now and it quickly comes back to the same point of frustration: cash isn't coming back fast enough.
Clearly price increases are not positive. However this article hasn't considered other benefits that make death and TPD insurance inside super beneficial for members: tax effective and cash flow neutral.
In regard to tax effectiveness, this is determined by the tax rates of the individual. When it comes to cash flow, those on low incomes where the tax benefit is minimal, affordability is the key issue. As such, paying premiums from superannuation is a major benefit.
Automatic acceptance is also a major benefit to the individual and society more broadly. Automatic acceptance removes one of the major hurdles for most people; completing the necessary form, conducting medicals and other associated tasks. Many people simply don't complete the process let alone those who are declined or receive exclusions.
Australian's are under insured when it comes to life insurance. The more of us insured, the better off we all are.
Yes, the benefits are reduced, however it's not just about the price you pay.