# START HERE:  Super Insurance Premiums Are Rising! Should You Cancel, Switch or Stay?

Page: https://stenobird.com/podcast/sugarmamma-s-fireplay-150082/start-here-super-insurance-premiums-are-rising-should-you-cancel-switch-or-stay
Text version: https://stenobird.com/podcast/sugarmamma-s-fireplay-150082/start-here-super-insurance-premiums-are-rising-should-you-cancel-switch-or-stay.md
Podcast: [SugarMamma’s Fireplay](https://stenobird.com/podcast/sugarmamma-s-fireplay-150082)
Published: 2026-06-04T19:00:00+00:00
Episode link: https://omny.fm/shows/sugarmamma-s-fireplay/start-here-super-insurance-premiums-are-rising-should-you-cancel-switch-or-stay
Audio file: https://p.podderapp.com/2544644999/traffic.omny.fm/d/clips/2fb3740d-3436-44af-8cc0-a91900716aa5/7d6e40aa-46f2-4d4d-9cc5-afa900a8adc3/7fefc0c5-0830-4ecd-a750-b44700434f0c/audio.mp3?utm_source=Podcast&in_playlist=f1bc65be-9dfb-4902-b162-afa900a8ade9
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JSON: https://stenobird.com/v1/public/podcasts/sugarmamma-s-fireplay-150082/episodes/start-here-super-insurance-premiums-are-rising-should-you-cancel-switch-or-stay
Duration seconds: 1129

## Resource

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 replacing any insurance policy ✔️ The concept of self-insuring over time — and how to build towards it ✔️ When to seek personal advice from a licensed financial planner 💡 Key Takeaways Insurance is not just a cost — it’s protection for your income, family and future Premium increases are frustrating, but knee-jerk decisions can be costly Understanding your policy features can reveal opportunities to reduce premiums Insurance inside super is convenient — but it can erode long-term compounding if left unchecked As your wealth grows, your reliance on insurance can gradually…

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## Transcript

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