Technical Advice & Resources

We know the importance of having access to technical experts to help you with your client considerations and recommendations. Our technical page will help you self-educate on key advice areas.

Further resources such as the AIA Insurance Tax Guide and Business Protection Fact Find are available to AIA Advisers on the Adviser Site. For more information, contact your AIA Australia Client Development Manager.

TECHNICAL RESOURCES

Lump Sum Income Replacement Calculator

The Lump Sum Income Replacement calculator can be used to calculate the current, or net present value of an income stream to help determine the capital required to fund the initial investment.

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Super Life And TPD Insurance Tax Calculators

The super life and TPD insurance tax calculator will assist you in determining the tax payable for claims paid in the 2021/22 financial year.

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Concessional contribution checklist

From 1 July 2017, eligible clients can claim a tax deduction for personal super contributions regardless of their employment status. The concessional contribution checklist will assist you in determining:

The available concessional contribution cap available to claim a tax deduction on personal, tax deductible contributions, and

Project future available concessional contribution amounts available with the 5-year carry-forward provision (commenced 1 July 2018 where any remaining concessional cap from 2018/19 is carried over to 2019/20).

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Non-concessional contribution – Decision Tree

The non-concessional contribution decision tree can help you to determine your client's non-concessional contribution cap for the 2021/22 financial year.

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COMPARISON OF INSURANCE PREMIUMS FUNDED INSIDE VS OUTSIDE OF SUPER

This guide can be used with clients to help them compare the value of $1,000 worth of premium and how much it will cost when paying with pre-tax dollars versus paying with after-tax dollars. Examples shown are a visual guide, comparing the gross cost at each individual tax rate.

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Life and TPD Insurance Inside/Outside Super Comparison Table

The life and TPD comparison table compares the key factors to consider when owning life and TPD insurance inside/outside of super.

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Business Protection Resources

Buy/Sell Versus Key Person Insurance Ownership Guide

This guide provides a brief overview of the key differences between buy/sell and key person cover, including how both types of cover are generally owned, tax implications on payout and other issues to consider.

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Guide to Buy/Sell Funding Insurance Ownership Structures

This guide provides a summary of the different policy ownership structures that are available when funding a business succession plan with insurance. Included are the key advantages and disadvantages to consider when advising clients on how the policy should be owned for buy/sell cover.

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Self-Owned Buy/Sell Insurance Cover

Our case study highlights why self-ownership is a preferred ownership structure for buy/sell insurance cover.

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Funding buy/sell (business owner) insurance via SMSFs

We summarise what the ATO's views are on funding buy/sell agreements through super and what this means for financial advice.

Read our update
Importance of Business Succession Advice

The following case study highlights the importance of having a well drafted buy/sell agreement in place with supporting insurance policies to fund the exchange of shares in the business.

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TECHNICAL WHITE PAPERS

Avoiding nasty surprises when funding insurance via super rollover

This article outlines five potentially adverse knock-on effects of a super rollover. These should be considered as part of any recommendation to fund super life cover using a rollover agreement, both for existing and prospective policies.

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Avoiding Mistakes With Super Nomination Of Beneficiary Forms

Get clarity around superannuation nomination of beneficiary forms.

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Life cover in Super

Explore some of the key technical issues surrounding ownership of Priority Protection super life cover.

Download the facts about life cover in super
TPD SUPER PENSION CASE STUDY

Our case study compares the super lump sum versus income stream option for individuals that become permanently disabled.

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TPD: Inside, outside or something in-between?

This article addresses the key differences between super and non-super ownership, including how split insurance policies may provide clients with the best of both worlds.

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Income Protection: inside, outside or something in-between?

This article addresses the key differences between super and non-super ownership, including how split insurance policies may provide clients with the best of both worlds.

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Making income protection more affordable for clients

We explore how super law provides a niche opportunity for clients to access salary sacrificed contributions upon temporary disablement.

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Passing on the tax deduction for insurance in super

This paper outlines the ways in which the premium tax deduction may be passed on to members where AIA Priority Protection life or disability insurance is owned by the AIA Insurance Superannuation Scheme No2, the member's SMSF, or the member's platform super fund where that fund is one of AIA's PPPI partners.

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WANT TECHNICAL ADVICE SUPPORT?

Do you have a technical question about an advice strategy? Do you need to find technical resource material? Whether it’s simply working through the pros and cons of having insurance inside or outside super, or optimal structuring for taxation or asset protection, we’re here to help.

Our expertise covers personal and business insurance, estate planning, taxation, superannuation and social security, and we have deep product knowledge and benefit selling expertise as well. Just drop us a line.

Benjamin Martin

Senior Technical Manager

Damian Revell

Technical Manager

Seon Sweet

Technical Manager

Toui Phanthana

Education Specialist

John Giannikos

Technical Product Training Manager

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Technical Advice & Resources

TECHNICAL RESOURCES

Lump Sum Income Replacement Calculator

Super Life And TPD Insurance Tax Calculators

Concessional contribution checklist

Non-concessional contribution – Decision Tree

COMPARISON OF INSURANCE PREMIUMS FUNDED INSIDE VS OUTSIDE OF SUPER

Life and TPD Insurance Inside/Outside Super Comparison Table

Business Protection Resources

Buy/Sell Versus Key Person Insurance Ownership Guide

Guide to Buy/Sell Funding Insurance Ownership Structures

Self-Owned Buy/Sell Insurance Cover

Funding buy/sell (business owner) insurance via SMSFs

Importance of Business Succession Advice

TECHNICAL WHITE PAPERS

Avoiding nasty surprises when funding insurance via super rollover

Avoiding Mistakes With Super Nomination Of Beneficiary Forms

Life cover in Super

TPD SUPER PENSION CASE STUDY

TPD: Inside, outside or something in-between?

Income Protection: inside, outside or something in-between?

Making income protection more affordable for clients

Passing on the tax deduction for insurance in super

WANT TECHNICAL ADVICE SUPPORT?

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