Brett Evans

And they go, well, that's the only way I thought.

I thought the super fund would have told me that.

I said, no, they're just paid there to manage your money.

They're not paid to advise you.

Yeah, look, I personally, you know, I have my super back in Australia and I have a life in TPD policy, you know, through that retail super fund.

So it's definitely a requirement depending on where you are at your age of life.

But to me, you need to understand the difference between group cover, which is just the time of claim.

Mm-hmm.

And page 42 in four font that the super funds and the insurance companies like to say that if you're overseas, you're ineligible.

So we have met many, many clients.

Every year we meet hundreds of people who are paying insurance premiums on their super when there's no possibility of claiming or being accessible at all.

We actually give it to Phil and Sky Wealth.

Yeah, we don't do it.

To me, it's the expat.

insurance is a lot harder to get when you're overseas.

So in Australia, it's very simple.

Overseas, you imagine trying to get a foreign medical centre because it's assessed at time of inception.

So they want everything on day one before they even agree to provide cover.

If you're happy to go through that process, you'd be underwritten from day one, which is fantastic.

But nine times out of 10, that work is so complex, we just give it to the felonies team.