Life insurance in superannuation in Australia means holding life, TPD and (sometimes) income protection cover inside a super fund, with premiums paid from the balance. This hub explains how cover inside super works, how it should be structured, what happens to it through retirement, and why a changing set of super tax rules makes it worth checking rather than leaving on autopilot.

From 1 July 2027 the 50% CGT discount is to be replaced by an inflation-based discount with a 30% minimum tax, and negative gearing is to be limited to new builds — a planning point for property investors, and a reminder to protect the wealth held in property against a forced early sale.

Division 296 — the $3 million super tax — is now law and applies from 1 July 2026. What it does, why unrealised gains are no longer taxed, and the life, TPD and income protection cover inside super a restructure shouldn't strand.