Insurance

Insurance Articles

Insurance through superannuation: Where to from here?

DEIDRE GROVER | Comments | FRIDAY, 14 JUN 2019

Insurance through superannuation is widely utilised in Australia and plays an important role given the benefits it can provide individuals. However, the deduction of insurance premiums from superannuation ... Insurance ... Read more

Total and permanent disability insurance through super

LINDA BRUCE | Comments | FRIDAY, 13 APR 2018

Personal insurance policies, such as death, total & permanent disability (TPD) and income protection insurance, are often held within super. In fact, more than 70 per cent of personal insurance policies ... Personal ... Read more

Turning over a new leaf

EMMA RAPAPORT | Comments | FRIDAY, 11 AUG 2017

On Monday March 7, 2016, the Australian life insurance sector changed forever. With his back to camera, former CommInsure chief medical officer turned whistleblower, Dr Benjamin Koh, alleged to a media ... On ... Read more

What's old is new again

CHRISTOPHER BLAXLAND-WALKER | Comments | FRIDAY, 13 JAN 2017

Retaining invaluable knowledge andexperience in the modern advice world Up to 30% of risk-focused advisers are expected to sell their practice and retire in the next few years, driven by the convergence ... Retaining ... Read more

People power: Insuring human capital

ALEXIS KOODRIN | Comments | FRIDAY, 16 SEP 2016

Key person insurance All businesses should consider the use of insurance to compensate the business for any financial loss or cost suffered because an insurable event has occurred with respect to a key ... Key ... Read more

Tax considerations for owning TPD policies

RAHUL SINGH | Comments | FRIDAY, 16 SEP 2016

Prior to 1 July 2014, when considering total and permanent disablement (TPD) insurance, advisers typically considered the advantages and disadvantages of owning the cover inside or outside superannuation ... Prior ... Read more

Life insurance and advice working group

Comments | WEDNESDAY, 27 MAY 2015

Conflicted remuneration structures are the primary cause of poor advice in Australia, and feature in all the major advice scandals spanning the last decade. Conflicted remuneration, if allowed to remain ... Conflicted ... Read more

Risk at risk

JAMES FERNYHOUGH , LAURA MILLAN | Comments | SUNDAY, 4 AUG 2013

In 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 many cases bringing them ... In ... Read more

Insurance and superannuation - what works, what doesn't

GRAEME COLLEY | Comments | THURSDAY, 20 SEP 2012

Graeme Colley of the SMSF Professionals Association of Australia (SPAA) explores life insurance options for SMSF investors. Graeme Colley of the SMSF Professionals Association of Australia (SPAA) ... Read more

Superannuation and insurance: related parties and member cost

KEVIN LIU , BRUCE ARNOLD | Comments | THURSDAY, 20 SEP 2012

This APRA working paper compares premiums paid by by super members to the benefits they receive. ... Read more

Insurance claims taxed - when and why

JONATHAN DE FRIES | Comments | WEDNESDAY, 11 JUL 2012

Advisers working in business insurance have a lot to consider; not only deductibility of premiums, but also the implications of capital gains tax. In this paper, Jon de Fries examines the issue in regards ... Advisers ... Read more

Employee benefits- better in super

JEFFREY SCOTT | Comments | TUESDAY, 13 MAR 2012

In this time of fiscal responsibility, businesses need to weigh the costs and benefits of any expenditure. At the same time, employers want to retain good employees and accordingly, many employers are ... In ... Read more

Insurance in Superannuation - A Potentially Dangerous Opportunity

STEPHEN GRAHAM | Comments | MONDAY, 4 FEB 2013

According to recent Lifewise / NATSEM research, 95 per cent of Australian families don't have adequate insurance cover. This dramatic level of underinsurance provides a significant opportunity for financial ... According ... Read more

Would You Like Insurance With That?

PAUL TRIGG | Comments | MONDAY, 4 FEB 2013

It wasn't too long ago when group life insurance was a small sector with just a handful of serious players. With the proliferation of group and industry super funds, the group risk market is today worth ... It ... Read more

Solving the advice paradox by getting the right information at the right price

JIM MINTO | Comments | MONDAY, 1 JAN 2007

The concept of "simple super" has significantly shifted the goal posts for consumers and for everyone in the industry. It has also helped eliminate some of the complexity which has built up ... The ... Read more

Group insurance undergoes a significant change in Australia

MICHAEL ROGERS | Comments | MONDAY, 1 JAN 2007

Group Insurance has always been a tremendous platform for making insurance more accessible to more people, but increased competition and strong economic conditions have meant Group Insurers have had ... Read more

Latest News


Senate secures members' interest changes HARRISON WORLEY Insurance in superannuation is now opt-in only for new members under the age of 25 and those with low account balances, after the government's Putting Members' Interest First super reforms passed through the Senate yesterday.	Intrust Super revamps robo-advice KRISTI CHENG Intrust Super has relaunched its robo-advice offering, increasing the solution's speed while decreasing the user input requirements.

Big Super Day Out success, but more to be done HARRISON WORLEY The First Nations Foundation's 2019 Big Super Day Out reconnected more than $9.5 million in superannuation with Indigenous Australians.	Major super funds caught in fraud scandal ELIZA BAVIN, JAMIE WILLIAMSON Several of Australia's largest superannuation funds were targeted by an online fraud syndicate which siphoned millions from share-trading and super accounts.

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Closing the gap

MELINDA HOWES
GENERAL MANAGER, SUPERANNUATION
BT FINANCIAL GROUP

After a period of hiatus, Melinda Howes returned to BT Financial Group as general manager of superannuation having realised her passion for super and the difference she can make in members' lives. Karren Vergara writes.

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Luke Hooper Special Counsel Mills Oakley Lawyers Pty Limited	Travis Dickinson Senior Consultant Willis Towers Watson	Grant Suttie Head of Service Delivery, Alternative Investment Services, Asia Pacific BNY Mellon Investment Management Australia	Bill Glover Partner Holding Redlich
The Protecting Your Super package fee and costs caps for low-balance members	Introducing a CGT pension bonus scheme	Hedge fund managers: Start thinking like a mutual fund	Banking Royal Commission: Managed investment funds under the spotlight
The Treasury Laws Amendment (Protecting Your Superannuation Package) Bill 2018 (Bill) passed both houses of Parliament on the 18th of February and now ...	When an active or retained member of your fund transfers to an account-based pension, unrealised capital gains tax (CGT) provisions are released, creating ...	The hedge fund industry has evolved from its heady beginnings, when a few elite managers went unquestioned as long as they delivered superior returns.	The banking Royal Commission focused on misconduct by banks, insurance companies, mortgage brokers and superannuation trustees. However, anyone who is ...
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