Life Insurance, Total and Permanent Disability (TPD) and Trauma cover all do different jobs, but the way they are set up can make a big difference to how well your overall plan works. Many policies
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
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
Running your own business takes time, energy and money. Rent, staff wages, utilities, advertising and loan repayments don’t stop just because you do. But what happens if illness or injury forces you to step away
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,
Understanding how income protection works, what it covers, and how to determine the right level of cover for your needs. Income protection insurance is one of the most valuable types of insurance for working Australians,