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
Older Australians drive majority of super complaints: ASIC
Older Australians between the ages of 55 to 75 accounted for half of the internal complaints made to super funds in 2025, according to ASIC's Internal Dispute Resolution (IDR) data dashboard.
Almost half of Aussies not making voluntary super contributions
Almost half of Australians have never made an additional contribution to their superannuation potentially missing out on a significant opportunity to boost their retirement savings according to new research from Vanguard Australia.
ART to employ more First Nations members into its workforce
Australian Retirement Trust has launched its second Innovate Reconciliation Action Plan, highlighting initiatives the super fund will complete by the end of 2028, including setting up a First Nations workforce target.
US and Aussie shares 'incredibly divergent': UniSuper
The artificial intelligence (AI) investment boom continued to drive US equity markets higher in May, while Australian shares delivered comparatively modest gains amid weaker earnings outlooks and pressure on the banking sector, according to UniSuper head of fixed interest David Colosimo.
Further Reading
Cover Story
Leading the way
SHARON DAVIS
NON-EXECUTIVE DIRECTOR
FUTURE GROUP AUSTRALIA HOLDINGS PTY LTD
NON-EXECUTIVE DIRECTOR
FUTURE GROUP AUSTRALIA HOLDINGS PTY LTD
Sharon Davis has always been fascinated by the human condition; it has driven her passion for people, her career, and building a better future for the next generation and beyond. Eliza Bavin writes.
Expert Feed
The biggest risk in real estate today is doing nothing
As we look at the market today, one thing is clear: volatility and geopolitical noise loom large. But the biggest risk we see for real estate is not the ...
Why operational due diligence is more than a governance checklist
Governance isn't proven by policies; it's proven by repeatable decisions, transparent oversight and clear follow-through.
Why defence stocks are no longer off the table for responsible investing
The world is changing, and responsible investing is adapting. Sectors once automatically excluded are no longer off the table for investment.
Why the expanding investment universe changes how alpha is generated
The question for institutional investors is whether they are positioned for the market that is emerging or anchored to the one that is receding.
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.