Insurance News
Income Protection for Tradies Explained
If you're a tradie, you already know the physical toll the job can take, sore backs, dodgy knees, the odd trip to the emergency department. What's less obvious is how exposed that leaves you financially if an injury or illness ever stops you working for more than a...
What to Expect in the Life Insurance Underwriting Process
If you've ever started a life insurance application and stalled at the health questions, you're not alone. The underwriting process is the part people tend to dread, usually because they imagine it's invasive, slow, or likely to end in a knockback. In reality, it's...
What Insurance Do I Need as a Sole Trader?
When you work for yourself, there's no employer quietly arranging a safety net behind the scenes, no sick leave building up, no default cover through a workplace, no one to keep paying you if you can't work. As a sole trader, all of that lands on you. Working out what...
How to Claim Life Insurance
Making a life insurance claim usually comes at one of the hardest times in a family's life, so the last thing anyone needs is confusion about where to start. The process itself is generally straightforward once you know the steps, and knowing what to expect ahead of...
Is Income Protection Tax Deductible?
If you're paying premiums for income protection insurance, there's a good chance you can claim them back at tax time. It's one of the few types of personal insurance the ATO treats as an income protection insurance tax deduction, though the answer depends on how your...
What Is Key Person Insurance and Does Your Business Need It?
If your business would struggle to survive losing one specific person, a founder, a top salesperson, a technical lead nobody else could replace overnight, that's exactly the risk key person insurance is built for. It's one of the more overlooked forms of business...
Stepped vs Level Premiums: A Full Comparison
If your life insurance premium just went up again and you're wondering why, the answer usually comes down to one decision you made when you first took out the policy: whether you chose a stepped or level premium structure. It's a choice most people make quickly at...
What Is TPD Insurance? What It Covers and Who Actually Qualifies
Many Australians already have TPD insurance and don't realise it. If you're part of a super fund, there's a good chance Total and Permanent Disability (TPD) cover is bundled in automatically, quietly deducted from your balance each month, without you ever having...
Can Self-Employed People Get Income Protection? A Guide for Sole Traders, Contractors and Freelancers
If you work for yourself, whether you're a sole trader, running your own contracting business, or freelancing, your income depends entirely on you turning up and doing the work. There's no sick leave to fall back on, no annual leave bank, and no employer safety net if...
TPD versus Income Protection: Which do you need?
‘What if’ is something no one wants to think about. However, planning for the what ifs in life can help protect you, your lifestyle and your family if something does happen to your ability to earn or to support your family. This concern is when people typically start...
Top 6 Reasons To Use An Insurance Broker
When you’re busy running a household, a business, or just trying to stay on top of everyday life, digging through insurance policy documents is probably the last thing you want to do. Yet your income, your family and your assets are too important to leave to guesswork...
Benefits of Using an Insurance Broker Over Going Direct
Needing insurance is a moment most of us face at some point. However, jumping online can leave you flooded with too many options, sifting through policies, exclusions, limits, waiting periods, product fact sheets and unfamiliar terms. It’s no wonder only 1.5% of...
What Is Income Protection Insurance & Do I Need It?
For the 14.5+ million working Australians, the ability to earn an income is their greatest financial asset. more valuable than their car, their home or their super balance. So, losing this potential to work and generate an income can have significant repercussions on...
Income Protection: Inside Or Outside Of Super
Losing the ability to earn an income can quickly run down your savings and cause financial difficulty. However, if this does happen due to serious illness or injury, income protection can pay you a monthly benefit up to 70% of your regular, pre-tax income. The good...
Most Injuries Happen At Home, Not At Work.
The latest injury statistics are a stark reminder that accidents can happen anywhere, but are less likely to happen at work, making it important to hold comprehensive life insurance including Income Protection. Income Protection can offer superior coverage to Workers...