This guide focuses on the tax and benefit access issues to provide key principles or ‘rules of thumb’ for insurance arrangements.

Deciding whether client insurance arrangements should be held inside or outside of super requires consideration of the tax, superannuation law compliance, benefit access and social security implications of each alternative. 

This guide includes a number of worked examples and incorporates recent changes that have impacted on the scope to hold insurance within super.

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Any information on this page in relation to mortgages has been prepared by Macquarie Securitisation Limited (MSL) Australian Credit Licence (ACL) 237863 ACN 003 297 336.

Unless stated otherwise, this information has been prepared by Macquarie Bank Limited ABN 46 008 583 542 AFSL and Australian Credit Licence 237502.

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