About this episode

This episode addresses rising insurance premiums within superannuation and offers guidance on whether to cancel, switch, or stay with your current policy.

Insurance inside superannuation is one of the most misunderstood — and often overlooked — parts of your financial plan. In this Start Here episode of SugarMamma’s Fireplay, I answer a powerful listener question from Cat, who is facing a 35% increase in her insurance premiums inside her super fund. Feeling overwhelmed, she’s wondering: Should she switch super funds? Should she cancel her insurance? Or is there a smarter way to manage these rising costs? If you’ve ever questioned whether your insurance is worth it — or worried about how it’s impacting your super balance — this episode will give you the clarity and confidence to move forward. 🎯 What This Episode Covers ✔️ Why insurance premiums inside super are rising ✔️ How to assess what you’re actually paying for (and if it’s worth it) ✔️ The hidden impact of insurance premiums on your long-term super balance ✔️ Why many Australians are underinsured — and the risks of cancelling cover too soon ✔️ How to adjust your insurance (without making costly mistakes) ✔️ The pros and cons of switching super funds for cheaper premiums ✔️ What you must do before cancelling or…

People in this episode

Host: Canna Campbell

Guest: Cat

Topics covered

• insurance premiums
• superannuation
• financial planning
• cost management
• underinsurance
• personal finance

Keywords

• insurance
• superannuation
• premiums
• financial advice
• costs
• underinsured
• self-insuring

Mentioned in this episode

Organizations: SugarMammaTV

Places: Australia

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• START HERE: How Much Super Do You Need To Retire On $100K p.a.? · May 21, 2026 · 17 min

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