Every year we make it a point to write at least one blog article on consolidating super. Consolidating super is where benefits held in two or more super and funds are rolled over into a single fund - either one of the existing funds or a new fund altogether. Over time, consolidating super can have a substantial impact on your retirement benefits.
People typically need life insurance at the same time as there are many demands on their income. In fact, it is the presence of these demands that creates the need for insurance in the first place. Because money is tight, it always pays to make life insurance premiums as affordable as possible.