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 |2022-03-08T19:37:22+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

Appointing an EPA

Appointing an EPA - what is that; and, when is one needed? Appointing an EPA is an important process that can save a lot of inconvenience and embarrassment during times of indisposition. An Enduring Power of Attorney (an EPA) is an important legal document that can be self-prepared - or preferably, be professionally prepared - to empower another person to make personal or financial decisions on behalf of the appointor. The appointee becomes attorney the appointor [...]

By |2021-08-15T11:54:31+10:00September 19, 2014|Estate Planning|0 Comments

Capping Superannuation funding

Why is capping superannuation funding in question? Governments around the world are facing debt concerns that threaten their ability to provide welfare, health, education and other services. In this scenario they are looking for ways to reduce their outgoings - and protect their revenue base. In Australia, one method the government is looking to implement to provide such protection is by capping superannuation funding. This will achieve their goal in two [...]

By |2020-08-28T11:52:39+10:00September 19, 2014|Retirement Planning Strategies|0 Comments

Budget Highlights 2014

2014 Australian Federal Budget Update Last night Federal Treasurer Joe Hockey announced a Federal Budget for 2014/15  that asks all Australians to bear the burden, as the Government attempts to bring the Budget back into surplus and to reduce the national debt. As expected, the budget includes a number of spending cuts and only two major spending initiatives – the introduction of an $11.6 billion infrastructure growth package and the [...]

By |2018-01-03T22:00:21+10:00May 14, 2014|Market Updates|0 Comments
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