Life Insurance Articles
Accidental Death Insurance
Accidental Death Insurance provides a low cost basic type of life insurance that pays a lump sum in the event of accidental death. Accidental Death Insurance is typically used when a person cannot obtain full Income Protection due to medical history and still wants to obtain a basic level of cover to provide a benefit to family in the event of accidental death.View page »
Accidental Injury Income Protection
Accident Only Income Protection is a lower cost Income Protection policy that offers cover for accidents only. Working in a similar way to full Income Protection, Accidental Injury Income Protection covers up to 75% of income. Accidental Injury Income Protection is typically used when a person cannot obtain full Income Protection due to medical history.View page »
Income Protection in Superannuation
Income Protection can be held in Superannuation and is sometime known as Salary Continuance. Income Protection policies inside superannuation vary significantly and superannuation can impact what benefits can be paid. Is holding Income Protection in Superannuation a good idea?View page »
Limited Term Life Insurance
Limited Term Life Insurance is a full life insurance policy that is limited by a set period, usually between 5 years and 15 years. Typically used for business or personal short term purposes or where due to medical history, an insurer can only offer coverage for a limited period of time.View page »
Serious Illness Insurance
Trauma Insurance is also known as Serious Illness Insurance. Serious Illness Insurance protects against major illnesses like Heart Attack, Cancer and Stroke. Designed to assist cover medical expenses, Serious Illness Insurance provides protection against unforseen medical events.View page »
Workers Compensation versus Income Protection – Are you Covered?
Is Workers Compensation enough to protect a family against illness or injury? Income Protection is sometimes disregarded by employees thinking they are fully covered! There are a number of areas where Income Protection may offer greater coverage!View page »
Common Life Insurance Myths
What are the top life insurance myths that we hear from our clients? We talk to alot of clients, and we have collated our top 5 insurance myths. Have a myth of your own or not quite sure on a fact? Comment with your life insurance myth!View page »
Bundled Life Insurance or Stand Alone Life Insurance – Which policy should I take?
Bundled Life Insurance policies although cheaper than Stand Alone Life Insurance, offers a significantly different level of cover. Opting to have future TPD and Trauma claims deducted from your life insurance may leave you without cover when you need it most!View page »
Double TPD/Trauma Insurance Option
What is the Double TPD/Trauma Option and how does it work? The ‘Double’ option can provide immediate reinstatement of life insurance when bundled with TPD Insurance or Trauma Insurance after a claim with life insurance premiums waived for the life of the policy!View page »
Life Insurance Buy Back Option
Life Insurance Buy Back is a low cost option to ensure that the value of a bundled life insurance policy is maintained after a TPD or Trauma Insurance claim. Some life insurance companies offer this option at no cost!View page »
