Can anyone clarify something for me please? I am currently looking at SCI through my Super fund but have been advised against it on the basis that if I make a claim, the payments are made to Super and unless I meet a condition of release I won't have access to the money? Kinda makes me question why you would have this at all if this is the case. I've also been advised by another individual that different super providers have different rules and some will actually pay the claim to you but retain the super contribution component (if applicable). I'm only in my early 30's but have a family so if something happened and I claimed I'd want to know the money was coming to me not super! Does anyone know or has anyone experienced this?