Group cover sits inside the fund account, not with the member. A rollover to an SMSF can end it, and an SMSF has no default cover to replace it.

APRA data show group super claims are admitted at high rates once lodged. The hurdles sit before and around the decision: cover level, definitions and the lodging process.

Solicitors, barristers and judges can qualify for PPS Mutual. How own occupation, self-employed income and practising-certificate exclusions affect cover for lawyers.

Can a PPS Mutual Profit-Share Account held inside super offset the premiums paid from a super balance? Ownership, access rules, tax and the limits, explained.

An existing policy can often be restructured so premiums are paid from superannuation rather than out of pocket — but not always, and the administration itself is the moment to fix everything else that has drifted.

Quoted on 10 September 2026 with the same insurer and the same cover, a carer's TPD cost exactly twice a teacher's and income protection 2.42 times — while life and trauma cover priced identically to the cent. What occupation actually does to a premium, measured across five occupations and three ages on a single day.

Employers and payroll platforms have a sixth referral option that sits alongside mortgage brokers, accountants and SMSF specialists — a no-cost insurance review offered as an onboarding perk, a rewards-programme inclusion, or a benefits-app feature. What the review actually finds, why the underinsurance gap is the same regardless of channel, and how the referral relationship works.

Public and private schools send Year 6 students to Canberra on almost identical trips. Christopher Hall explains where the real differences lie — and where they don't.

A mortgage broker has six ways to handle a client's life insurance, and the most common one is to do nothing at all. What Standards 3 and 12 of the adviser Code of Ethics say about reciprocal referral arrangements, why applications stall before an insurer ever decides, and what a broker should look for in an adviser.

Real Insurance publishes at least three separate life insurance PDSs, and the same defined term does not mean the same thing across them. What each document states, with page references, and how the same clauses read in four adviser-distributed products.