Have you got an industry super fund?
- Investwest
- Jun 11, 2019
- 1 min read
We have found an interesting trend with clients that hold industry super funds. Whilst the funds themselves are generally sound and provide low cost administration they often contain hidden costs in the form of expensive insurance cover.
Many people are not even aware that they have insurance cover within these super funds and when we conduct a market comparison are shocked to discover they are sometimes paying more than twice the retail premium on a 'like for like' basis.
For example, a 40 year non-smoker male working as a bricklayer holding $520,000 in Life & $312,000 in Total Permanent Disability cover with their industry super could be paying $1,393 per annum in insurance premiums deducted from his super.
This same person could potentially obtain the same level of cover with a retail provider for $633.13. A savings of $759.87 per annum.
Changing insurance policies does not mean you have to move your super, you can usually retain your industry fund but obtain separate more cost effective insurance via a retail provider and still have the premiums paid for from your industry fund. This can save you considerable money each year and reduce the erosion of your superannuation savings. Please note this is general in nature and its important to obtain individual advice.
So contact us now for a free consultation to review your situation.
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