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TPD cover 101A permanent disability will change what the rest of your life looks like. It can also make life much more expensive in terms of medical care and home modifications – which is why TPD cover is so valuable.When you’re looking at TPD cover,...

Life cover 101It may be the simplest form of life insurance, but life cover is undoubtedly one of the most important as it helps you provide for your debts and dependants. When you’re looking at life cover, there are 3 key things you need to...

Income protection 101There's not much you can do without an income. In monetary terms, your ability to earn an income is your biggest asset by far - which is why income protection is so important. When you’re protecting your biggest asset, there are 3 things...

Your life insurance is flexible and can be adapted to your changing needs.Make sure you have a cover review with your adviser every 12-18 months to ensure you’re covered for just the right amount, paying the right amount, and getting the best value from your...

Your cover is designed to be flexible As your life changes and your responsibilities expand, your life insurance should expand with it. And if you’re thinking that sounds like a lot of effort, think again. Most policies allow you to increase your cover without any medical...

Your Policy Schedule shows you the amount of money you’d be eligible to receive if you make a claim. But what it doesn’t show you is the extra support that may be available to you at claim time.For example, some policies may give additional benefits...

Do life insurers really pay claims?There’s a common perception that life insurance companies will do everything they can to avoid paying claims.In fact, 92% of all life insurance claims are paid in the first instance¹.As long as you fulfill your duty of disclosure when you...

Why premiums go up (and what you can do about it)There are 3 key reasons why your life insurance premiums go up from year to year. While you can't control all of them, you may be able to take steps to lower the cost...