Interest Rates Lower for Longer?

Interest rates are set to stay low for a long time yet Investors and retirees be warned – Interest Rates could remain at low levels for the next decade and possibly longer. At least that’s the base case expressed by Australian based International Fund Manager, Platinum Asset Management at their late-April 2016 Adviser Briefing held in Brisbane. If this contention is realised, lower interest rates will result in lower returns for investors; [...]

By |2020-12-16T21:04:11+10:00April 27, 2016|Market Updates, Wealth Management|0 Comments

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

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

Beware direct insurance reliance

Direct life insurance, taken online from a TV ad, may be convenient - but can you rely on it to provide protection when needed? We look at a range of issues that influence people's decisions in relation to protecting their financial well-being from risks of ill health, accident - and even death; and highlight some of the reasons to beware direct insurance reliance that is not well founded. (As suggested in [...]

By |2021-01-21T15:05:19+10:00September 17, 2014|Risk Insurance Strategies|0 Comments
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