Life insurance premiums are calculated based on a number of factors, such as your age, gender, health at the time of application, smoking status, occupation, lifestyle and hobbies. Your health can play one of the biggest roles in determining your premiums, so having a healthy lifestyle can have both personal and financial benefits. Do you […]
We don’t need insurance until we do. Protecting your wellbeing and your wallet “Do I really need this insurance?” It’s probably a question you’ve asked at some point when deciding whether to part with your money. But maybe the real question should be “What if I became ill, how would we cope?” Your health […]
Life insurance is designed to provide valuable peace of mind in case of the unexpected, but some may have some concerns that their claim won’t pay out when they need it most. However, in reality, according to moneysmart.gov.au, 97.4% of life insurance claims purchased through a financial adviser are accepted. How seamless the claims process […]
Nearly 14%* of the Australian workforce are self-employed – this group includes freelancers, entrepreneurs, tradespeople, and anyone who runs their own business. There are many benefits, both financial and professional, to working for yourself. But it’s important to be aware of potential risks too. Every business has overheads, and if, like many small business owners, […]
Let’s run through some things to keep in mind to decide what level and type of cover you need. Finding your insurance sweet spot It can take days – and a whole lot of stress – to figure out what type of insurance cover is best for you and how much of it you need. […]
Whether you’re thinking of buying your first home or are busy paying one off amid rising interest rates, a life insurance policy could protect your biggest financial investment if the unexpected happens. A mortgage is a long-term financial commitment that you need to meet no matter what life throws at you. For this reason, you […]
Life insurance, such as death cover, income protection, critical illness, and total and permanent disability insurance, allows you to plan ahead to protect your lifestyle and your family’s financial future. Indexation, or inflation protection, is an optional feature that can be included in your life insurance policy to safeguard the value of your benefits from […]
Income protection insurance is designed to replace a portion of your income if you can’t work due to illness or injury. But what happens if you have two or more sources of income? Income protection in Australia generally covers up to 70% of your income. If you have two or more jobs when you apply […]
Buying your first home is a huge achievement — one you should be proud of, and one that’s worth protecting. Life insurance can safeguard your new home through some of life’s most challenging moments. What does life insurance have to do with my first home? You probably wouldn’t think twice about protecting your car or […]
If your health ever takes a turn for the worse, you may need to make a claim on your life insurance. Here’s a summary of how the claims process works and how I can help you along the way. When would you make a claim? The reasons for making a claim vary depending on the […]