Life insurance Uc: trong super hay ben ngoai va can bao

Life insurance trong super tien loi nhung gia tri bao co the qua thap khi co su co.

Quan trong nhat voi nguoi co gia dinh, co vay nha hoac la nguoi nuoi chinh.

Tóm tắt nhanh

• Super default: thuong chi 1–2 nam thu nhap, co the khong du.
• Life insurance: tra cho nguoi huong quyen khi ban mat.
• TPD: tra khi ban vinh vien khong the di lam.
• Income protection: dung cho nguoi tu lam, khong co sick leave.

Life insurance trong super hoat dong the nao?

Phi bao hiem bi tru tu so du super, giam tang truong ve huu. Gia tri bao mac dinh thuong chi bang 1–2 nam thu nhap — it hon nhieu so voi co nguoi phu thuoc.

• Phi trung binh: $2–$5/tuan tru tu super
• Thay doi muc bao: Qua my.super fund website

Khi nao can life insurance ngoai super?

• Co vo/chong va con phu thuoc
• Vay nha lon (mortgage > 5 nam thu nhap)
• La nguoi nuoi gia dinh chinh
• Muon bao hiem khong dinh ky voi super fund

Câu hỏi thường gặp

Life insurance phi co duoc khau tru thue khong?

Ben trong super: phi tru tu super, uu dai thue gian tiep. Ben ngoai super: thong thuong KHONG duoc khau tru tru truong hop doanh nghiep.

Bao nhieu tien bao la du?

Quy tac ngon tay: 10x thu nhap hang nam, cong so du no, tru tai san hien co.

Tham khao financial adviser co dang ky truoc khi mua bao hiem tai chinh.

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