Trauma Cover 101 Trauma cover is all about supporting your recovery from a serious illness – helping you afford the treatment of your choice and allowing you to make necessary changes to your lifestyle. When you’re looking at trauma cover, there are 3 key things you...
TPD cover 101 A 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 101 It 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 101 There'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...
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...
Indexation is an optional benefit on life insurance policies designed to ensure you’ll always have the same financial freedom in the event of a claim. Not all insurance policies offer indexation. But for those that do, it works by offering you an increase to the sum...
Insurance policies can be bought in one of 3 ways: Through a financial adviser Direct from an insurance company, or Held inside your superannuation, which is the case for most Australians No matter where you purchase it from, the core idea is the same: if something...
4 key factors impact your premium Ever wondered how insurers work out the cost of your life insurance? There are many factors that can impact the premium you pay, but there are 4 factors in particular you need to be aware of. Your personal risks Dangerous...
So you’ve made the decision to meet with a financial adviser. The next step is to get ready to make the most of your first meeting. The better prepared you are, the better quality conversation you can have. Your First Appointment with a Financial Adviser Your first...