Insurance within/ outside super

It's very common to split Own/Any occ Total and Personal disability insurance inside/outside super. With the Any premiums being inside super and Own premiums being outside super. They structure these so that the majority of the premiums are paid within your super. What you are looking for is generally called a super linked policy. I would go with TAL/OnePath/MLC Insurance/Asteron for this.

With regards to IP and Trauma, IP can generally be split in/outside super also to make the premiums cheaper out of your pocket. Trauma can only be owned personally (non super) however you can generally 'link' it to a TPD or Life cover that is inside super, meaning that your trauma premiums will be cheaper but if you make a claim on the trauma policy it will reduce your sum insured for TPD/Life cover by the same amount. You can generally purchase a "Buyback" option for this so that you can reinstate the full Life/TPD cover afterwards.

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