If you caught the recent AFR piece on AustralianSuper’s insurance premium increases, you may have noticed this line:
“Life insurance premiums are far cheaper through superannuation funds as compared to retail cover, which is obtained through financial advisers and is more tailored to individual needs.”
It’s a remarkable statement to make in an article announcing a 34% premium increase.
For advisers who run quotes regularly, the claim will raise an eyebrow. For clients reading it without context, it could be genuinely misleading.
We’ve published a detailed response on Life Insurance Guide that puts real numbers around this. The short version: for a 45 year old professional with $1.5 million in death and TPD cover, AustralianSuper from 30 May 2026 will cost more than double the retail median. And that retail cover can be structured inside super via rollover, so the tax treatment argument doesn’t close the gap either.
The piece is written for a general audience, has a full general advice disclaimer, and is free to share with clients or reshare under your own brand as a subscriber.
Read the full article on Life Insurance Guide
This is exactly the kind of moment that creates genuine, timely conversations with clients and referral sources.
The numbers are real, the timing is current, and the question writes itself: when did your client last review what their super fund is actually charging them?
PS — Have you taken a look at Life Insurance Guide lately?
If not, it’s worth a few minutes. Life Insurance Guide is a consumer-focused site built to support Australians in understanding life insurance, with free articles, guides and tools including an interactive super insurance guide and calculator at lifeinsuranceguide.com.au/super-cover.
For risk-focused advisers, it’s also a practical marketing and client support resource. Content like this article is free to share with clients on email or socials, and there’s a growing library of educational material you can put to work straight away.
The adviser directory takes it further. Subscribers get their own profile on the site, can publish their own content, and can repurpose existing LIG articles under their own brand with a simple attribution line. It’s a low-effort way to maintain a credible presence where clients and referral sources are already looking for information.
If you’d like to know more, head here or get in touch directly.
