Yes. Insurance can be held either inside or outside superannuation, and sometimes a combination of both is appropriate.
Holding cover outside super may:
- Provide greater flexibility in certain claim situations
- Allow different ownership structures
- Offer more control over policy features
However, premiums and tax considerations differ depending on structure. Advice helps ensure the arrangement aligns with your broader financial strategy.
Other FAQs
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That’s completely fine. Many clients begin with a borrowing capacity conversation to understand their position before actively searching for a property. An initial discussion can provide clarity and direction, even [...]
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Your Notices of Assessment are in your MyGov inbox: for step-by-step instructions on how to find them, visit the Australian Government ATO site.
The timeframe for the financial advice process can vary depending on the complexity of your situation and the type of advice you require. In many cases, the process can take [...]
Financial advice can have a mix of both one off and ongoing fees depending on the types of advice provided, for a better understanding see our fee table here.
Depending on your loan, penalty fees could apply if you’re paying off your current mortgage early. But these may be offset by repayment savings when you switch home loans. We’ll [...]
