Life Insurance Sensibility

What is your attitude to Life Insurance? There is often an air of reluctance to discuss personal life risk matters.  Life insurance sensibility is your general attitude to this topic. In this post, we trust that you will come to see that some of the life risks that you encounter can: have a devastating effect on your financial future; andthat financial risk to you and your family, can be mitigated using appropriate [...]

By |2021-06-30T21:29:18+10:00May 13, 2015|Risk Insurance Strategies|0 Comments

Life Insurance within Superannuation

Are there benefits to holding Life Insurance within Superannuation? It is widely considered that holding certain types of Life Insurance within Superannuation is acceptable practice. For some people, this is the only personal risk protection they have. The types of insurance typically allowed is restricted to policies that provide benefits that accord with the purpose of the superannuation system. The most common life insurance carried within superannuation, are 'term life'; TPD; and income protection [...]

By |2021-02-26T09:31:49+10:00November 21, 2014|Risk Insurance Strategies|0 Comments

TPD Insurance within Superannuation

Should I hold my TPD insurance within Superannuation? In our article 'Superannuation linked Life Insurance', we discussed which insurance products could be taken through a superannuation account. TPD Insurance is one product that is eligible to be held within superannuation. We  also revealed some of the limitations on such a practice, that are imposed through the Superannuation Industry Supervision (SIS) legislation. Since that article was published, readers have raised questions as to the [...]

By |2021-07-01T20:25:54+10:00November 21, 2014|Risk Insurance Strategies|0 Comments

Income Replacement Insurance

Comparing Income Protection Insurance with Salary Continuance Insurance Income replacement insurance is a form of wealth protection that provides an income stream to replace a 'normal' income stream (such as wages or profit from a self-employed business). It is important to provide financial stability during times of interrupted earning occasioned by accident or illness. Income Protection insurance is the more common name for this particular life insurance product, but when [...]

By |2021-07-27T15:24:42+10:00November 21, 2014|Risk Insurance Strategies|0 Comments

Occupation Definitions for TPD and IP Insurance

Occupation Definitions influence insurance cost and benefit This article addresses the issue of the particular occupation definitions applying to your occupation. Whilst your occupation will impact on the premium you will pay for other forms of life insurance (such as TPD, Income Protection, Business Expense and Key Person Insurance), it is only TPD and IP insurances that have the occupation defined for the purpose of a claim against these policies. The claims-based [...]

By |2021-07-27T18:18:36+10:00October 17, 2014|Risk Insurance Strategies|0 Comments
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