Guide to life insurance

Everything you need to know about life insurance, minus the constant reminders that you could die at any minute.

What is whole life insurance?

What is whole life insurance?

Having a financial plan to look after your family when you can’t anymore is a hard but important conversation to have. This is where life insurance can help step in.

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Cheap Life Insurance

Cheap Life Insurance

While it can be tricky to think about, life insurance can be a useful financial safety net for your family if you’re no longer able to provide for them. From death cover to income protection insurance, there’s a range of policies available for a variety of needs.

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Should you get life insurance if you’re self-employed?

Should you get life insurance if you’re self-employed?

Whether you work for yourself or as an employee, life insurance exists to ensure your needs and those of your family are met if you’re no longer able to provide financial support.

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5 life insurance exclusions you should know about

5 life insurance exclusions you should know about

If you haven't investigated it before, life insurance can seem a bit complicated. To start with, the term itself is a catch-all for different kinds of coverage, including income protection cover, total and permanent disability cover, and death cover.

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How much life insurance do you need?

How much life insurance do you need?

After you’ve worked out whether or not you need life insurance, the next step is working out what level of cover you should opt for. The key? Finding the right balance for your situation.

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Do You Need Life Insurance?

Do You Need Life Insurance?

As the old saying goes, there are two things you can count on in life: death and taxes. Life insurance is all about planning for the former (even if it’s not really pleasant to think about).

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Why you should avoid life insurance sold at car dealers

Why you should avoid life insurance sold at car dealers

When you purchase a vehicle from a car dealer, you'll probably be offered a whole lot of extras. While an alarm system may be worth forking out extra for, one add-on you should avoid at all costs is life insurance.

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How to ensure life insurance claims are accepted

How to ensure life insurance claims are accepted

Life insurance is meant to be a safeguard for the tough times in your life. It should give you peace of mind in the event of a loved one's death or to guarantee your financial safety if something happens to you and you’re unable to work.

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What to look for in a life insurance policy

What to look for in a life insurance policy

If you’ve decided to bite the bullet and buy a life insurance policy, you should take the time to work out which of the key features on offer are important to you. After all, this is one insurance policy you could wind up sticking with for the rest of your life.

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What does ASIC’s life insurance review mean?

What does ASIC’s life insurance review mean?

In October 2016 the Australian Securities and Investments Commission (ASIC) handed down a report into the handling of claims by the life insurance industry. This was in responses to criticisms of outdated definitions being used to avoid payouts and conflicting interests in the sale of policies.

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Do I need income protection insurance?

Do I need income protection insurance?

For most Australians, covering essential expenses like rent, groceries and power bills will get tricky without a paycheck coming in. It only gets more complicated if you’re providing for a family or paying off a home loan.

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Life insurance news

Dna testing moratorium feedback

Australia's genetic testing and life insurance: gov seeks feedback

The Australian government is calling for public input on the 2019 moratorium related to genetic testing in life insurance. This policy specifically prohibits insurers from requiring applicants to undergo genetic testing. Additionally, it restricts insurers from demanding you disclose the results of existing genetic test results for policies under specific coverage limits.

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