Jane Hume (Victoria, Liberal Party, Assistant Minister for Superannuation, Financial Services and Financial Technology) | Hansard source

I should emphasise here that there's absolutely nothing stopping someone who takes risks outside of work from getting life insurance and that anybody who wants life insurance can have life insurance. This is simply an opt-in mechanism rather than an opt-out mechanism. Anyone can still get group insurance through their superannuation. I point out to the senator again that both the Productivity Commission and Rice Warner have said that there is low value for insurance for people in this cohort.