Health Disclosures: What You Need to Know
Insurance might not be the most exciting thing to talk about, but if you’re applying for life insurance or any personal insurance, there’s one key rule you need to understand: you must take reasonable care not to make a misrepresentation. That’s a mouthful – what does it actually mean? In plain English: when an insurance […]
Since You Asked: Common Questions About Life Insurance
Life insurance can feel complicated and overwhelming, especially when you first start looking into it. We’ve gathered some of the most common questions people ask – and answered them in plain English, with some guidance on how to think about your needs. What types of life insurance are there? Life insurance usually means four different […]
Super or Personal Cover? Getting Insurance Right
Life insurance, TPD, trauma, and income protection are all important tools to protect your family’s financial security. Many Australians first encounter these types of cover through their superannuation fund. That’s a great starting point, but it’s not always enough – and the way your cover is structured can make a big difference to how it […]
Understanding the Insurance Claims Process: What to Expect and Where to Find Support
Insurance is there to provide financial support when life takes an unexpected turn. While nobody likes to imagine making a claim, it’s important to know that claims do happen, and that there is a clear process to help you through it. Having the right support makes a big difference to how smooth and stress-free the […]
Life Insurance for Business Owners
As a business owner, your life insurance needs are more complex than those of employees. Your death or disability would impact not only your family but also your business, employees, and partners. This guide explains the key considerations. Why Business Owners Need More Cover Business owners often require higher levels of cover because: Types of […]
How Life Insurance Premiums Are Calculated
Understanding how life insurance premiums are calculated can help you make informed decisions about your coverage and potentially reduce your costs. As someone who has worked in underwriting for over 15 years, I’ll break down the key factors that insurers consider when determining your premiums. Primary Risk Factors Age and Gender Age is the most […]