Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 Published: March 2026 | Last updated: April 2026 The ATO does not require SMSF trustees to hold insurance — but it does require every trustee to formally consider whether each member needs cover and document that decision in the fund's written investment strategy. This obligation has been in force since 7 August 2012, when SIS Regulation 4.09 of the Superannuation Industry (Supervision) Regula

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | March 2026 Published: March 2026 | Last Updated: March 2026 TPD insurance — Total and Permanent Disability insurance — pays a lump sum to a policyholder who becomes permanently unable to work due to illness or injury. It is not income replacement, and it is not the same as trauma cover. It is a one-time capital payment, paid in full once a claim is accepted, intended to cover the financial conseq

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | March 2026 Arrow Equities is a specialist life insurance advice practice based in Rose Bay, Sydney. Christopher Hall, AdvDipFP, AFSL 526688, has completed more than 500 personal life insurance policy reviews for everyday Australians — families with mortgages, professionals and SMSF trustees across every state and territory. (C. Hall, Arrow Equities, 500+ policy reviews) The practice works like