BT SuperWrap Essentials

Information verified correct on February 6th, 2016

What is BT SuperWrap Essentials?

Whenever you consider your options for a good investment, a life insurance policy will always be a strong contender. You can feel more secure in an investment which can provide you a significant safety net for your financial needs for the future, and the needs of your family and loved ones. Before you finally buy a life insurance policy or pension plan or any other investments, it is important that you invest only with a reputable life insurance company that could provide you maximum benefits for your valued investment. BT finance has a life insurance and pension plan called the BT SuperWrap Essentials that offers you access to the widest managed funds and insurance options in one secure online account. This gives you as a policy holder the privileges of keeping track of your investment while giving you more leeway to exercise other options to modify your investment to a more rewarding financial endeavor.

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Why Choose BT SuperWrap?

BT SuperWrap Essentials gives added value to your superannuation because it has incorporated, within its structure, a superannuation investment service that effectively 'wraps' around your investments. This gives you a single focus where you can access selected managed fund investment options. The benefit you will derive from being able to do this is that it will allow you to create your very own investment portfolio. A portfolio where you can make up your own mind when to buy and sell through your own SuperWrap Essentials Account. It is normally only available through properly registered financial advisers.

Benefits of the BT SuperWrap Essentials Policy

Considering the advantages and benefits that you can avail from your life insurance plan is a primary part of the comparison process. Your investment is valuable and your objective is to make it a productive endeavor. It is essential to give high consideration as to the reputation and reliability of the insurance company you will entrust your money for savings and investment. The BT Superwrap essentials provides you a number of options on which funds you want to invest your money. You will benefit from online access to their wide array of managed funds which are available to you through the services of registered financial advisers.

With BT SuperWrap Essentials, you have a single point access to over 70 managed funds of the company. This is a good place for you to look at all your possible options and see which properly match your needs. The 24 different investment managers can help you identify your possible financial placements. Aside from matching you with the best investment, BT’s fund managers can help you highlight the risks that go along with your venture. This is important so that you have knowledge of the varied factors that affect your investment. Thus, you will have better assessment as to the risk and benefits before you invest your hard earned money.

Your Own BT SuperWrap Essentials Cash Account

SuperWrap Essentials will also give you access to a Cash Account. This account can be used to settle any transaction you make and it pays a quite competitive interest rate. By doing this you will always be able to see your money actually working for you. Even when you are not currently involved in any investment decisions.

The Two Major Options

There are two options made available in BT SuperWrap. Your choice here will be dependant on your actual needs at the time, they are:

  • An Account Based Pension. To be able to take up this option you will be required to make an initial minimal investment of $25,000. This option will allow your superannuation savings to eventually deliver a flexible income when you retire.
  • Personal Super Plan. The minimal investment needed to enter this plan can be either $5,000, or $2,000 if you agree to invest at least $100 a month. It is a tax effective and flexible superannuation plan that provides you with many and varied investment options.

Convenience Privileges with BT SuperWrap Essentials

Not all insurance companies offer flexible options for their policy holders. Every person has their own financial needs and capacity to make an investment. BT SuperWrap Essentials options address this issue, and allow their policy holders to exercise convenient options to choose where to make their investment. With BT finance, you and your adviser can come up with a customised portfolio to meet your personal needs. Along with your investment and insurance information, you can also get reports of your account which are custom-made for you, therefore making you more appreciative of the benefits you can enjoy from your investments. These reports are easily obtainable since you have online access to your account. This added convenience gives you greater confidence to monitor your investment by logging into your secure investor site. This will free you from any worries about your insurance investment since you can check on your account anytime of the day. The insurance options that you can have access to include term life, total and permanent disability (TPD) and income protection insurance.

Insurance Options

There are three insurance options open to you when you open your own SuperWrap Essentials account, these are:

  • Term life insurance. A life insurance cover that you take out for a specific period. It is the cheapest form of life insurance and once the term expires the cover ends. This is usually arranged to happen when you reach retirement age.
  • Income Protection Insurance. This cover will ensure that you will continue to receive an income if you can't continue with your normal employment because of an illness or injury.
  • Total and Permanent Disability Insurance (TPD). TPD benefits will be paid if you should be stricken with a specific ailment or injury that leaves you incapacitated whereby you can no longer earn a living.

Why Act Now?

If you truly value your financial security and that of your loved ones, getting a life insurance or pension plan as early as you can will give you more peace of mind in case of an uncertain future. You will likely pay lower premiums for insurance plans at a younger age. Working with BT life insurance makes for a reliable partnership in the attainment of your financial goals in life. With its SuperWrap Essentials plans you can be assured of finding the best investment to make with a financial adviser backing you up to make an informed decision for your investment.

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Coverage is the amount of money that you will be paid in the event of a claim. An insurance consultant can help you determine an appropriate amount. Calculator
Provides a lump sum payment if you become totally and permanently disabled and are unable to return to work.
Provides a lump sum payment if you suffer a serious medical condition. Cover can be taken out for 40-60 medical conditions depending on the policy you choose.
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