Have you ever wondered what you’d do if you suffered a life-changing injury or illness that stopped you from working again? Total and Permanent Disability (TPD) insurance can help – but many people don’t know what it is or how it works. What is TPD insurance? TPD insurance provides a lump sum payment if you […]
Life insurance can feel confusing. And with so many opinions floating around, it’s easy to buy into some misleading beliefs that may put you off getting important financial security for your life and loved ones. Let’s clear up five common myths so you can make confident, informed choices. Myth #1: “I’m young and healthy – […]
A step by step guide to help you through the decision making process. Firstly, what is life insurance? “Life insurance” is the general term we give to the range of insurance that looks after you if something unexpected happens to your body or mind. They are designed to protect your quality of life and the […]
Insurance; we don’t need it until we do. Learn all about the value of insurance for protecting your health, income and loved ones when life throws you a curveball. Protecting your wellbeing and your wallet “Do I really need this insurance?” It’s probably a question you’ve asked at some point when deciding whether to part […]
Did you know you can have insurance cover in your super fund? If you have super, you might also have some automatic insurance cover. It’s called insurance in super and is exactly what it sounds like – insurance cover available through your super account. Insurance in super is designed to assist you and your family […]
Life insurance premiums are calculated based on a number of factors, such as your age, gender, health at the time of application, smoking status, occupation, lifestyle and hobbies. Your health can play one of the biggest roles in determining your premiums, so having a healthy lifestyle can have both personal and financial benefits. Do you […]
We don’t need insurance until we do. Protecting your wellbeing and your wallet “Do I really need this insurance?” It’s probably a question you’ve asked at some point when deciding whether to part with your money. But maybe the real question should be “What if I became ill, how would we cope?” Your health […]
Life insurance is designed to provide valuable peace of mind in case of the unexpected, but some may have some concerns that their claim won’t pay out when they need it most. However, in reality, according to moneysmart.gov.au, 97.4% of life insurance claims purchased through a financial adviser are accepted. How seamless the claims process […]
Nearly 14%* of the Australian workforce are self-employed – this group includes freelancers, entrepreneurs, tradespeople, and anyone who runs their own business. There are many benefits, both financial and professional, to working for yourself. But it’s important to be aware of potential risks too. Every business has overheads, and if, like many small business owners, […]
Let’s run through some things to keep in mind to decide what level and type of cover you need. Finding your insurance sweet spot It can take days – and a whole lot of stress – to figure out what type of insurance cover is best for you and how much of it you need. […]