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Superannuation and Life Insurance

Superannuation & Life Insurance in Estate Planning – Gold Coast Experts

Superannuation and life insurance are often among the most valuable assets a person holds, yet they are frequently misunderstood when it comes to estate planning. At Robbins Watson Solicitors, we help clients across the Gold Coast navigate the complexities of these non-estate assets to ensure they are distributed in line with their wishes.

Why Superannuation & Life Insurance Need Special Attention

Superannuation and life insurance do not automatically form part of your estate. Instead, their distribution depends on several factors, including:

  • Whether you have made a binding death benefit nomination
  • Who you nominate (and whether they qualify as a dependent under superannuation law)
  • The trustee’s discretion if no valid binding nomination exists
  • The ownership and structure of life insurance policies

Without clear, legally sound planning, these benefits may end up with unintended recipients, or be subject to delays, disputes, or adverse tax outcomes.

Our Estate Planning Services Include:

  • Reviewing Superannuation Arrangements
    We assess your superannuation fund structure and advise on whether a binding death benefit nomination is appropriate and valid.
  • Preparing Binding Death Benefit Nominations
    We assist in drafting and lodging binding nominations to ensure your superannuation is paid to your intended beneficiaries.
  • Life Insurance Integration
    We advise on policy ownership, beneficiary designations, and how your life insurance benefits interact with your estate plan.
  • Tax Planning for Death Benefits
    Strategic planning to reduce or eliminate tax payable by non-dependents who may receive superannuation or insurance payouts.
  • Coordinating with Wills and Trusts
    Ensuring that your superannuation and life insurance align with your will, any testamentary trusts, and broader succession objectives.

Why Choose Robbins Watson?

  • Trusted Estate Planning Professionals
    With over 60 years of experience on the Gold Coast, we offer strategic, practical guidance tailored to your financial and family situation.
  • Accredited Specialist in Succession Law
    Our expertise ensures your estate plan addresses every detail — including non-estate assets like super and insurance.
  • Award-Winning Team
    Regularly recognised in Doyle’s Guide as one of Queensland’s leading firms in Wills and Estates
  • Seamless Integration with Your Will
    We ensure that your estate plan is not only legally sound but also tax-effective and easy to administer.

Take Control of Your Legacy

Don’t let superannuation or life insurance be an afterthought. These assets play a vital role in your overall estate plan. Our experienced team can help you make clear, informed decisions that protect your loved ones and ensure your intentions are carried out.

Contact us today to get started:

  • Call us on 07 5576 9999
  • Book an appointment online by clicking here
  • Fill out our online enquiry form by clicking here

Meet the team

Andrew Smyth

Partner

Sean Powell

Partner

Christine Smyth

Special Counsel

Isabella Phillips

Senior Associate

Connie Ung

Associate

Why choose Robbins Watson Solicitors?

Discover what makes us different.

Experience you can count on

With over 60 years in business, we position our clients and their businesses with the best advice to enable them to prosper.

We’re committed to you

We recognise your needs, assess specific priorities and objectives and develop strategies to meet them.

Enduring relationships

We generously invest time and expertise to understand our clients and build beneficial long-term relationships.

Efficient teams

We embrace technology to ensure our clients outcomes are delivered quickly, efficiently and cost-effectively.

What our clients have to say

As first home buyers Emma from Robbins Watson made the experience stress free. With her professional service and excellent knowledge of industry. Couldn't recommend her more. Thank you!

Kimberley G

Very pleased with this firm and the outcome we received. Highly recommend Robbins Watson for any Family Law matters.

Cate B

Sean and his team have always been incredibly supportive and knowledgeable. Couldn’t recommend Robbins Watson Solicitors more!

B.M.

I recently had the opportunity to work with Alexandra Coyle, and I couldn't be more pleased with the experience. From the outset, she demonstrated exceptional professionalism and a deep understanding of the legal issues involved which was very reassuring. I felt well-informed throughout the process, and she worked tirelessly to ensure a successful outcome for me. I’m glad I reached out to this firm. Thank you for making a challenging situation so manageable. I highly recommend Alexandra for anyone seeking reliable and empathetic legal assistance.

Justyna B

I was so pleased with Bell’s work. I found her easy to get along with, explain things clearly and make the whole process calm. I would recommend her to anyone going through an estate dispute.

Taylah C

Marcus, thank you again for your support throughout the settlement process, we very much appreciate your professionalism, advice and communication from start to finish! We would be happy to recommend Robbins Watson to our family and friends.

Angela

Good morning – just wanted to send a quick email off and let you know how impressed (my wife and myself) have been with Emma – We have bought a couple of properties up there over the last year or two – we’re from Wagga Wagga, NSW and are relocating up there at the end of this year. Emma has been absolutely fantastic to deal with and we couldn’t be happier!!! It makes things really easy when you have someone on the ball like she is – so yeah, just a quick ‘Well done’ – thanks so much, we really appreciate it and keep up the good work!

Jarrod

Thank you again for your services, I cannot fault you and your team. You are always such a pleasure to deal with and make what would normally be a stressful time, quite the opposite.

Emma (& Helen)

Please extend my warmest thanks to All that have assisted me. You all have made the process of dealing with Wills, selling property, and soon with my own Will and things. Robbins Watson have exceeded my expectations in ability, personal interactions, pleasant meetings; in short, you are my Solicitors of choice, and I say so to any and all.

George

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+61 7 5576 9999