Navigating the insurance minefield Pt II: Life insurance

Key Points Lesser-known aspects of life cover to consider Insurance can be cheaper if paid through your super fund Status of beneficiary is critical to the outcome  In marginal tax rate, each dollar paid in premiums means you’ll need to earn as much as $1.87 of pre-tax income. Paying through your super can reduce this effect substantially, saving you thousands over the life of your policy. Not only will paying through your super fund secure a deduction for the premiums, you can also pay concessional contributions from your pre-tax income (or claim a deduction if you’re self-employed) to fund...

In marginal tax rate, each dollar paid in premiums means you’ll need to earn as much as $1.87 of pre-tax income. Paying through your super can reduce this effect substantially, saving you thousands over the life of your policy.

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