Key Points Retail life insurance products can be tailored to your preferences. Retail life insurance is medically underwritten, reducing the risk of complications or delays when filing a claim. Some insurers offer discou...
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Key Points Term life insurance typically pays out to nominated beneficiaries after a policyholder’s death or terminal diagnosis. TPD, trauma, and income protection policies pay out to policyholders while they are still...
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Australians recognise the value of life insurance, but a surprising number don’t have coverage. Life insurance provider TAL found that while 79% of survey respondents rated life insurance as important or very importa...
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If you are single, you are wholly responsible for making your own financial decisions and you want to ensure you make the right ones. One of the smartest financial moves that you can make is to purchase a life insurance ...
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Life insurance comes in many forms, depending on the type and level of coverage you and your partner are after. If you’re a couple looking to invest in life insurance, or simply gathering information on your option...
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Life insurers like it when their customers participate in sports. It usually means you’re leading a healthy lifestyle and present less of a risk. But when it comes to life insurance for extreme sports, that’s a diffe...
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Family is the most important thing in life. Making sure your family is protected in the event of your injury or death is paramount. If you haven’t already purchased life insurance, we suggest you do so. For many pe...
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Purchasing insurance of any kind is somewhat ironic: We’re essentially buying something we hope to never use. But it does provide peace of mind, which is priceless. Key Points Trauma insurance is one form of life i...
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As you may have guessed, income protection (IP) covers you in the event that you are no longer able to work due to injury or illness. Things don’t always go to plan, so why not plan in the meantime? Income protecti...
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Life insurance policies come in two forms or ‘structures’. They are: stepped premiums and level premiums. Both options have their benefits and disadvantages. It’s up to you to decide which one is best for y...
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What is Whole Life Insurance, do I need it, and does it exist? These are all valid questions you may asking yourself. While no amount of money can relieve the pain of losing a loved one, life insurance aims to take fin...
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In every business, there are certain essential personnel whose knowledge and ability makes all the difference in terms of the organization’s success. The loss of one of these “key” men or women can have a huge ...
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Total and permanent disability insurance (TPD) is an add on to regular life insurance. The policy is designed to lift financial pressure off you, should an illness or injury leave you completely or permanently disabled a...
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Key Points Life insurance claims are paid out in the first instance 90% of the time. However, there are some reasons for life insurance not paying out. To avoid a rejected life insurance claim, be honest and upfront on y...
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Key Points Life insurance payouts usually aren’t taxed if they go to financial dependants. Life insurance payouts that go to non-financial dependants can face a tax of up to 35%. Life cover premiums are sometimes tax d...
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Does life insurance cover suicide? The short answer is yes, though not straight away, and not by all life insurance policies. It’s important to carefully read the policy disclosure statement (PDS) before purchasing lif...
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Key Points Life insurance will pay if you die from cancer if: your policy covers natural causes of death, it is a life cover plan (not an Accidental Death Policy), and you fully disclosed any cancer-related health inform...
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Medical underwriting is part of life insurance, but what exactly is it? This guide will answer your questions about life insurance medical underwriting and explain how it affects you. Key Points Medical underwriting is a...
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Financial underwriting is part of the life insurance process, and it’s nothing to be concerned about. In fact, it’s in place to help you and your insurer. This guide will explain what financial underwriting in life i...
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If you have a self-managed super fund (SMSF), you’re not required to purchase life insurance through your fund, but it may be possible. In fact, the law requires you to consider the life insurance needs of your mem...
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If you’re just about to get married or you’re committed to a happy marriage ‘til death do you part, thinking about death is probably the last thing you want to do. Nevertheless, securing the future of your loved on...
Read MoreFamily is the most important thing in life. Making sure your family is protected in the event of your injury or death is paramount. If you haven’t already purchased life insurance, we suggest you do so. For many pe...
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What life insurance can do for you Life insurance is no one’s favourite purchase. You may question the importance of purchasing life insurance – is it totally necessary? Why would you pay for something you, p...
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Protect your family’s financial future It’s nice to have peace of mind your family will be covered for: Funeral costs Outstanding debts Income loss Education fees Ongoing daily expenses like groceries, transp...
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Life insurance is an important investment in protecting your financial security in the future. If you pass away, you do not want your family members to be left without the funds they need to pay housing costs, educationa...
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Compare Life Cover Diabetes is a condition that can be managed, but not generally cured. If you are diagnosed with Type I or Type II diabetes, this condition can affect your ability to obtain life insurance becaus...
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Life insurance doesn’t just provide for your dependants in the event of your death. It can protect your income if you are temporarily or permanently incapacitated due to illness or injury, and soften the blow of ma...
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Key Points If there is anyone in your life who depends on you financially, or any outstanding debts, you might want to consider life insurance. If you have accessible savings and no debt, then it may reduce the level of ...
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Australians are some of the most generous people on earth. Known for their spirit of community and beliefs in equity, Australians give their time and money toward efforts to better their communities, country, and the wor...
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As a smoker, you may wonder if your life insurance premium will be more expensive than that of a non-smoker. You may also wonder whether there is any way around paying less for your premium, despite your smoking status. ...
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