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 |
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DANIEL SHRIMSKI
MANAGING DIRECTOR
VANGUARD INVESTMENTS AUSTRALIA LTD
MANAGING DIRECTOR
VANGUARD INVESTMENTS AUSTRALIA LTD
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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.