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 […]
What is Income Protection Insurance
Income protection/continuance insurance is mandatory for all working persons, and especially important for younger people who have a long working life ahead of them. But you have to make sure its commission free. Insurance commissions are huge: more than 20% of all premiums are paid back to the adviser as a commission, unless you do […]
An important catch of having income protection insurance in your superfund
You may have come across this heart-breaking (and very frustrating) story a few years ago. The story involves a father whose one year old daughter needs a liver transplant. Being so young, the liver does not need to be very big and, thanks to the wonder of our age, she is able to make use of […]