I Want To Find a Life Insurance Adviser: Where to Start and How to Choose the Right Support
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 about your family, income, debts and future plans. The good news is you do not have to work it out […]
Linked vs Standalone Cover: Making Sense of Insurance Features
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 offer features that help fit your cover to your needs, manage cost, and keep your protection in place over time. […]
Changing Jobs? Here’s What to Check With Your Life Insurance
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 be directly affected when you switch employers. Different employers use different super funds, and each fund has its own insurance […]
Is the Life Insurance in Your Super Enough? What Most Australians Don’t Realise
Most Australians have life insurance automatically through their super. It’s helpful, it’s affordable, and it gives many people cover they may not have arranged on their own. But there’s a quiet misconception that this default insurance will look after everything if something goes wrong. For many households, it won’t come close. Default cover in super […]
Estate Planning Basics – Why It Matters and Where to Start
Estate planning sounds formal – but at its heart, it’s about making sure the right people receive the right support when you’re no longer here to guide them. It’s not just for the wealthy or the retired; anyone with family, assets, or responsibilities can benefit from a little planning ahead. What is estate planning? Estate […]
Working Out Your Life and TPD Cover: Protecting Your Family’s Future
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 financial stability when life changes unexpectedly. While the specific amounts vary from person to person, there are common factors to […]
Working Out Your Trauma Cover: Planning for Recovery and Choice
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 to give you breathing room – so you can focus on recovery, not bills. Unlike Life or TPD cover, Trauma […]
Do Life Insurers Really Pay Out? The Latest Numbers Say Yes
It’s one of the most common myths – that insurers never pay.In reality, the data tells a very different story. The latest MoneySmart update (October 2025), covering claims finalised to 30 June 2025, shows that most genuine life insurance claims in Australia are approved and paid. Typical Claim Results Across the market, these are the […]
Understanding Life Insurance Beneficiaries: Why They Matter and How to Keep Them Up to Date
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 insurance is held within superannuation, it becomes part of their overall super benefit. Any payout will usually follow the super […]
Business Succession Planning – Why It Matters and How It Works
If you’re in business with one or more partners, you’ve probably spent years building something together – time, energy, capital and trust. But what would happen if one of you suddenly couldn’t continue? A business succession plan helps answer that question before life forces the issue. It’s a strategy that ensures ownership, value and control […]