Group Superannuation & Pension
Retirement income planning through approved superannuation schemes.
Understanding Group Superannuation & Pension.
Group Superannuation is an approved retirement-benefit trust funded by employer (and optionally employee) contributions. Members receive a lifelong annuity or lump-sum withdrawal at retirement — increasingly important for retention of senior talent.
Retirement is the longest-dated financial liability most employees face. A Group Superannuation Scheme creates a tax-efficient, professionally managed corpus dedicated to that liability.
What's actually inside this cover.
- Approved superannuation trust set-up
- Defined contribution structures
- Member-level corpus tracking
- Annuity at retirement
- Funded retirement corpus per member
- Annuity options at retirement
- Tax-efficient contributions and payouts
Actual cover is subject to insurer wording, sub-limits, deductibles and exclusions. Please read the policy wordings carefully before concluding a sale.
How we place it.
One team — from the first conversation to the first claim.
- 01
Profile and exposure review with a Labdhi expert
- 02
Wording, sub-limit and pricing comparison across leading insurers
- 03
Cover binding with the optimal terms and add-ons
- 04
Renewal review and end-to-end claims support
When it actually pays.
Illustrative scenarios — real outcomes depend on insurer wording.
Senior employee retires; corpus converts into lifelong annuity.
Spouse continues to receive joint-life annuity after primary annuitant.
Annual contribution drives long-term corpus build.
Why Labdhi for this?
As a licensed insurance broker, Labdhi compares wordings, sub-limits and pricing across multiple insurers, structures the policy around your real exposures, and supports you end-to-end through documentation, renewals and claims.
Is your Group Superannuation & Pension cover actually enough?
Most people discover the gap in their protection at the worst possible moment — at claim time. Shield360™ is our 4-minute risk profiler that scores your long-term protection, highlights gaps, and gives you a personalised report you can download.
- Protection Score
A single 0–100 number showing how well-covered you really are.
- Gap Analysis
Identifies under-cover across life, health, income and assets — instantly.
- Downloadable Report
Branded PDF with your scores, gaps and suggested next steps.
More in Group & Employer Life.
Employer-administered term cover for employees on a master policy.
Fund and insure your statutory gratuity liability for employees.
Fund your accumulated leave-encashment liability through an approved scheme.
Protect your company against the financial loss of losing a key person.