At Rate Detective we have helped hundreds of customers secure insurance through their superannuation using one of the 12 retail insurance companies on our panel.
Taking out a retail insurance product through a super fund can also have a number of product benefits not always found in traditional group polices that have historically been provided by your super fund including:
Day 1 Accident for income protection
Age 65 benefit period for income protection
(often 2 years max within group insurance)
Guaranteed renewability past age 65
Medically underwritten at time of application
(not time of claim)
Generally speaking, Life Insurance, Income Protection and Total and Permanent Disability insurance can easily be put through most superannuation funds, including a self-managed super fund. The reason why these products are popular through superannuation is it is not too difficult for the conditions of release to be satisfied so that the funds can be available to the beneficiaries of the policy if you need to claim. Many clients find it appealing to have their insurance inside superannuation because having their super fund pay for insurance helps with cash flow.
Insurance within superannuation has traditionally been done through group cover (prices offered by your superannuation fund). However, recent legislation has made it common for retail funds, such as the insurance companies on Rate Detective’s panel, to be able to offer cover within superannuation as well. With group prices increasing significantly in recent times, the retail insurance companies are also now price competitive.
If you are interested in receiving a quote for Insurance inside superannuation then please fill in your details in the fields provided on this page and we will be in touch within 1 business day to discuss your needs. Alternatively call 1300 793 143 and ask to speak to one of our staff about this option.
Reproduction in part or whole without written permission is prohibited.
RATE DETECTIVE PTY LTD. AUSTRALIAN CREDIT LICENCE NO. 469009
Rate Detective operate as an authorised representative of Affinia Financial Advisers Limited ABN 13 085 335 397 Australian Financial Services Licensee 237857. Rate Detective are authorised through Affinia to advise and deal in superannuation and life risk insurance products only, including Term Life, Total and Permanent Disablement, Income Protection Insurance and Trauma Insurance.
Any information or advice contained on this website is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information or advice on this website, you should consider the appropriateness of it (and any relevant product) having regard to your circumstances and, if a current offer document is available, read the offer document before acquiring products named on this website. Please note our advice does not include independent financial, legal and taxation advice prior to acquiring a product.
Not all providers of insurance, mortgages, and credit cards on the market are included in our comparisons. The amount of any savings will depend on your circumstances.
The financial products compared on this website do not necessarily compare all features that may be relevant to you. Comparisons are made on the basis of price only and different products may have different features and different levels of coverage.
Compare life insurance, home loans, income protection and credit cards to find a competitive rate for your situation by providing you prices for all products on our panel. There are hundreds of choices out there, and our guides and calculators can help you when you are searching for these products.
Rate Detective aims is to save its customers money, time and effort through its innovative rate comparison website designed specifically to cater the needs of the Australia market. Rate Detective is a one stop online shop that provides the necessary tools to help you find and compare home loans, personal insurance, credit cards and travel insurance. Rate detective is even able to help you find suitable electricity providers!
Do an online comparison today or if you would like to call our centre we have trained professionals
ready to help with your enquiry.