Choosing life insurance is one of those things we all know we should do, but the process can feel overwhelming. Policies vary, definitions differ between insurers, and getting your cover right often means thinking carefully
A change of employment can be a good opportunity to make sure your life insurance still fits your needs. Your personal retail policies generally continue unchanged, but insurance that sits inside your super fund can
When people start exploring life insurance, it’s easy to feel lost. There are products advertised by general insurers, some offered directly online, others through advisers – and many look similar on the surface but work
Life and Total and Permanent Disability (TPD) insurance play a central role in protecting your family’s financial wellbeing if something happens to you.These covers are designed to help clear debts, replace lost income, and maintain
When serious illness strikes, life can change overnight. Trauma Insurance (also called Critical Illness Cover) provides a lump-sum payment if you’re diagnosed with a serious medical condition such as cancer, heart attack or stroke.It’s designed
A Simple but Often Overlooked Step Most Australians have some form of life insurance, often through their employer’s super fund or a fund they’ve set up themselves. What many don’t realise is that when life
It’s a familiar scene for many families: the alarm goes off, breakfast is chaos, you’re out the door to work, and by the time the kids are in bed, you’re exhausted. Between juggling jobs, a
Understanding the different names and products that often cause confusion Life insurance terminology, general terms and defintions can be confusing. You might hear people talk about life cover, death cover, income protection, or even risk
Income Protection (sometimes called Salary Continuance) provides a monthly benefit if you are unable to work for an extended period due to illness or injury. For many people, their first experience with this type of
When it comes to protecting your income, two types of cover are often mentioned together: Total and Permanent Disability (TPD) insurance and Income Protection (IP). They both help when illness or injury stops you working,