The importance of considering Life and Total and Permanent Disability insurance as part of a self managed super fund (SMSF) investment approach may be gaining momentum after findings from the government driven Cooper review of the superannuation system.
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Total and Permanent Disability insurance also known as TPD insurance is a type of Life insurance product offered by insurance companies to Australian residents. The purpose of Total and Permanent Disability insurance is to provide financial support to the insured and their family members in the event the insured person suffers an illness or injury that renders that person totally and permanently disabled.
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Key Person insurance is a type of insurance which can be used to reduce the financial impact on a business due to the loss of a person by way of death or long term disability.

A Key Person could be defined as a person who has a significant input toward the profitability of that business.
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What is Trauma insurance
Trauma insurance is a type of insurance which covers the insured person in the event they suffer a severe medical condition including heart attack, cancer and stroke. There are many other conditions covered under this type of policy, which vary from insurer to insurer. A payout to the insured from the insurer is generally made in a lump sum and usually tax free.
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Whole Life Insurance is a type of insurance that covers the insured person up until their death and also includes an investment component. When a whole life insurance policy is established the insured has cover for death by any cause even if this occurs well into the future, as long as premiums have been paid, there is no expiry date due to age attached to this type of policy.
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Group life insurance is generally provided by your employer to its staff members, or an association to it members and is typically offered as an inclusion to your employment package or as a membership benefit.

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Many of us are familiar with the need to protect our assets including home and car with the appropriate insurance, but how many of us have considered protecting our most important asset?

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Affordable Life Insurance and finding the appropriate cover to meet ones needs and budget are why people do not consider purchasing life insurance until it is too late.

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Life Insurance in Super has become popular for many numbers of Australian’s who now obtain their cover from their superannuation fund.

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What is Life insurance, most of us have and or are familiar with insurance for your home or car, but many are still uncertain about insurance for your Life.

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