Super fund research

1. Current balance
2. Super fund policy number
3. Commencement date + Eligible service date
4. Tax free amount
5. Taxable taxed/ untaxed element amount
6. Preserved amount
7. Anti- detriment available – should be no
8. Beneficiary name, if not provided, Non-lapsing/ Lapsing / Binding death benefit
9. Investment options, asset allocations, MER
10. Fees and charges apart from MER, Switch fee
11. Partial rollover accepted?

Insurance research
1. Default cover amount – Death and TPD
2. Product provider and policy number
3. Commencement date
4. Premium charged
5. TPD- Stand alone / linked
6. TPD – own occupation/ any occupation
7. Unitised cover ? How much is per unit
8. Stepped/ level premium?
9. Is premium indexed? Is cover indexed?
10. Loading or exclusions?
11. Is the cover decreasing/increasing
12. Is auto- upgrade available
13. Is the cover guaranteed insured?
14. How about guarantee renewability
15. Cover expiry age
16. Occupation category, and smoking status.