Underwriting

For superannuation Funds with a voluntary element of insurance, trustees face the difficulty of how to assess and classify the individual member's mortality and morbidity risks. Without specialist knowledge, the Fund runs the risk of accepting significantly impaired lives without receiving the appropriate increase in contributions. The Fund also must be seen to be making its decisions at arms length from any company operations, and in a strictly impartial fashion.

Super Assessments has many years of experience in the underwriting of members entering superannuation schemes. We offer a service which is both confidential and impartial, giving the Fund the benefit of professional assessment without carrying the cost of a full-time underwriter. We also offer a review process for any restrictions or loading previously imposed by the Fund or an insurer, and full assistance in designing the appropriate health, occupational or avocational questionnnaires where these are required