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Advantages and disadvantages to life insurance in super
There are some important benefits of owning insurance in super. Most of these relate to cost, as you can use the tax-effectiveness of super contributions to pay your premiums.
However, there are some downsides to owning insurance in super you need to be aware of – including some restrictions on accessing benefits, less favourable tax treatment for some beneficiaries, and some limitations on the types of cover you can get.
Here are some of the pros and cons of insurance inside and outside super, according to research group CANSTAR:
Reasons for owning life insurance outside Super
Your cover in your super fund may be less than you want or need.
Trauma insurance is not available through your super fund.
Premiums paid from super contributions mean less money available to invest.
Most income protection policies inside super provide only basic cover for only 2 years’ worth of income protection.
You don’t have to be as severely disabled to get a payment with TPD.
There are fewer delays in life insurance benefits being paid since these are paid directly to your spouse or beneficiary, rather going through the superannuation trustees. Often a lengthy and frustrating process.
You will also be more certain that your beneficiaries will receive the claim proceeds, as unless you have made a binding beneficiary nomination in your super fund (and which hasn’t expired), you can’t be certain your life insurance payout will go to the people you want it to.
In superannuation, beneficiaries who are not financial dependants will be liable to pay tax on the amount, whereas the same benefit paid from a policy held outside super is tax-free no matter who receives it.
Reasons for owning life insurance inside Super
Super policies often include total and permanent disablement (TPD) and sometimes Income Protection too.
It is tax-effective since the premiums are paid out of contributions made by your employer or from personal contributions that generate either a direct tax deduction (for the self-employed) or are paid from pre-tax income, in the case of salary sacrifice contributions.
Premiums can be deducted from super contributions.
Insurance inside super can be cheaper. |
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