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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 when deciding the ownership structure. The advice ... Read more

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 in any guise, will continue to undermine the quality ... Read more

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 line with retail premiums. This is causing some ... Read more

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 advisers, especially when the client's superannuation ... Read more

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 close to $2.4 billion - and rising. Paul Trigg ... Read more

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

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

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 to ownership, asset and revenue protection. Read more