Superannuation
Clear directions for your superannuation.
Superannuation is often one of the largest assets a person holds, but it does not automatically form part of your estate. Instead, it is managed by the fund trustee, who determines how benefits are distributed unless a valid Binding Death Benefit Nomination is in place.
Without clear and current nominations, your super may not be paid to the person you intended. This can lead to delays, disputes, or outcomes that do not reflect your wishes.
We help ensure your superannuation arrangements align with your broader estate plan, giving you confidence that your benefits will be distributed as intended and without unnecessary complication.
What does a Binding Death Benefit Nomination do?
Directs your benefit to chosen beneficiaries
Requires the trustee to follow your instructions
Reduces delays and uncertainty
Helps prevent disputes
- Acts as a “Will” for your superannuation
- Can direct your Super Fund to pay your superannuation into your estate
A society grows great when people plant trees in whose shade they shall never sit.
life insurance
Decide today. Secure tomorrow.
Life insurance can provide essential financial support to your loved ones, but how and when benefits are paid depends on how the policy is structured.
Policies held within superannuation are subject to trustee discretion and nomination requirements, while policies held outside super are generally paid directly to nominated beneficiaries.
Understanding these differences is critical to ensuring your benefits are distributed efficiently and in line with your intentions. We assist in reviewing your arrangements and ensuring they are properly structured as part of your overall estate planning strategy.
What should you consider?
- Where the policy is held
- Whether nominations are valid
- How benefits will be distributed
- Alignment with your estate plan
- Potential for delay or dispute
- Whether your coverage is sufficient to meet future financial needs
Other tasks we can help with
Survivorship application
We assist with transferring jointly held property to the surviving owner efficiently and in accordance with legal requirements.
Superannuation or life insurance claims
We assist with preparing and lodging claims, reviewing nominations, and ensuring benefits are distributed correctly after a loved one has passed away.