Can I get some of the commissions back?
The life insurance industry is tainted with stories of financial advisers aggressively recommending policies that clients do not need to receive commissions off their policies. Here, we explore the relationship between the premiums you pay and the commissions the adviser receives as well as discuss how you can get some of those commissions back in […]
Life Insurance that You May Not Know You Had
Many working Australians – or Australians who used to work – have insurance of which they are unaware. This can be a huge relief if ever something goes wrong and you cannot work. If you or someone you know has become unable to work, then this article is a must-read. And if you think you might need help with a claim, please make sure you contact us.
Your Most Important Asset – You!
What is your most important financial asset? Is it your home? Your superannuation fund? Your investment portfolio? Your sports car? Actually, it’s you.
Understanding Underwriting in Life Insurances
You may have heard the term underwriting in relation to your life insurance. Underwriting sounds serious. And, given why we need to take out life insurance, underwriting is relatively serious. But it is also quite straightforward. This article explains it all.
Understanding Total and Permanent Disability Insurance
Total and permanent disability (TPD) insurance is one of the most important life insurances around. As the name implies, TPD insurance pays you a benefit if you become ill or injured and cannot continue working as you did prior to the illness or injury. In this week’s article, we look into the fundamentals of TPD insurance.
Let’s Talk About Trauma Cover
Many people think that life insurances are limited to death cover, total and permanent disability cover and income protection cover. But there is a fourth kind of life insurance that is often overlooked – but that can be very useful in certain circumstances. You may have heard of trauma cover. As the name suggests, trauma cover […]
How to Make a Life Insurance Claim
Obviously, we hope that none of our clients ever make a claim on their life insurance policy. But, from time to time, claims need to be made. Here is our step-by-step guide to what happens when you make a life insurance claim. We should note that you can ‘DIY’ an insurance claim. However, for most […]
Ways to Lower Your Life Insurance Premiums
Insurance premiums are like a bet you hope you lose. While everybody who has financial dependents (including themselves) who rely on the income they generate should take out insurance, we sincerely hope that you never have to make a claim. Hopefully, you will get to the end of your life and think ‘I never really […]