© 2017 Life Insurance and Super Pty Ltd | AFSL 405 456 | Tax Agent 2466 8959

Privacy Policy  |  Disclaimer  |  Financial Services Guide  |  Links  |  Compliance  |  Testimonials  |  Companies we deal with   

Phone: (08) 9841 2811
Email: admin@lifeandsuper.com.au
Home Services About Us Contact Us
Home ‘Financial Services with a Personal Touch’

Life Insurance

Life Insurance can be critical for a secure financial future. In simple terms, you insure yourself for a particular amount, and in the unfortunate event that you pass away, the Life Insurance Company (insurer) pays that amount out to the person you nominate or your Estate.

The lump sum payment can be used to help with the repayment of debts, the covering of future needs (e.g. the cost of children's education or long term care), and providing funds for investment to generate an income, or to keep your business afloat.

Life insurance isn't just for the main income earner either. If you are a homemaker, how will your partner look after the children, run the household and keep down a full-time job if you were to die or be incapacitated? Life insurance can be invaluable for both partners in a relationship.

Life Insurance may be obtained personally, via a superannuation fund (including a Self Managed Superannuation Fund) or owned via a business, however a death benefit received via a superannuation policy or via a business may be taxed - depending on whom it is paid to. Speak to Mark or Gary  for more information about how we can help your specific circumstances.

Total and Permanent Disability Insurance:


Total and Permanent Disability (TPD) Insurance will provide a lump sum payment should you suffer an illness or injury which totally and permanently prevents you from working again.

Total and Permanent Disability may be obtained personally, ia a superannuation fund (including a Self Managed Superannuation Fund) or owned via a business, however a TPD benefit received via a superannuation policy or via a business may be taxed - depending on whom it is paid to. Speak to Mark or Gary  for more information about how we can help your specific circumstances.


50% Of Industry Super Fund members are under insured by $100,000 for life insurance


37% Of Industry Super Fund members believe life insurance is a low priority given other financial commitments.


74% Of Industry Super Fund members are underinsured by $100,000 for TPD


83% Of Australians say they have insurance for their car, only 31% have income protection


Provided by LifeWise

Trauma Insurance - Critical Illness Insurance:

Trauma Insurance (also known as Critical Illness Insurance) provides a lump sum benefit in the event that the life insured suffers a "critical condition" as defined by the insurance provider. Trauma Insurance Cover is designed to help you financially recover from a trauma or crisis, such as a heart attack, stroke, cancer or other life threatening conditions most insures have about 50 specified conditions.

Trauma Insurance may be obtained personally or via a business. The Australian Taxation office (ATO) has a strong preference that you “Do Not” hold Trauma Insurance via a superannuation fund.