yeah, you've raised a point about whether young workers should have TPD and it's a fair question. my comments though are obviously concerned with the surreptitious bundling of one product inside another.
if you believe that companies have an obligation to take reasonable steps to ensure that consumers are aware of what they're being charged for - then i'd say that in this case, the bodies charged with overseeing the super system have been letting down people that they're supposed to be protecting for decades.
i've been running my own smsf for nearly twenty years and have many years experience with contracts and so on. i remember that when my son gave me his super paperwork it took me 5 or 10 minutes and several re-reads to confirm which action he had to take to turn the insurance off. what hope have kids just out of school got? they are lambs to the slaughter. it's just wrong.
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