Merging of super balances may upset the insurance apple cart THE federal government's long-running push to consolidate Australia's 30-odd-million superannuation accounts to a number more commensurate with our 11 million workers risks leaving those under-insured with even less insurance cover, according to Brad Fox and Phil Anderson. They should know: the two are respectively chief executive and chief operating officer of the Association of Financial Advisers, which traces its origins back to the life-insurance industry.