Technical Advice & Resources

This fact find identifies the key client information in determining the right level, what type and ownership structure of insurance for business protection needs. 

This guide can help advisers to work through the steps involved in implementing a key person and/or buy/sell insurance agreement with their clients.

This article provides an introduction to the advice considerations in ownership protection and buy/sell agreements as apart of the Business Succession process.

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. 

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. 

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

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

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. 

Get clarity around superannuation nomination of beneficiary forms.

Superannuation death benefits can have significant tax implications long term. The article discusses the options available to beneficiaries.

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

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.

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.

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

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.