Wealth Management

Premium Structure: Getting it Right from the Start

October 26, 2020

The structure of the insurance premium chosen will dictate its initial cost, as well as the total cost over the lifetime of the policy.   Not all premium structures are available from all Insurers. Retail Insurers will generally offer level or stepped premium structures, with some offering a hybrid option (due to recent legislative changes, […]

Read more

Wealth Management

A State of Flux – Current and Upcoming Changes to the Income Protection Market

June 1, 2020

Updates to Income Protection Policies As previously touched on in our last insurance article (February 2020), there were some significant earmarked changes coming into effect in the near term to the Income Protection (IP) market. In order to maintain a viable and prosperous market into the future so all Australians could, if they wished, protect […]

Read more

Wealth Management

Changes ahead! Is your Income Protection Policy road worthy?

February 3, 2020

8 points to consider when choosing the right Income Protection Policy.  Your ability to earn income is your most important asset so having a plan in place when you are forced off the track and require a tune up from your mechanic is vital. An Income Protection (IP) Policy can assist to smooth out the […]

Read more

Wealth Management

Group v Retail Life Insurance

July 17, 2019

What’s the difference between Group and Retail Insurance? Which type of life insurance policy is best for you? Should you take a group scheme through your superannuation fund or employer, or take out an individual policy yourself? If you already have life insurance, are your existing arrangements best for your circumstances? When applying for, or […]

Read more

Wealth Management

Insurance Premiums – no one likes paying them so how do you keep a lid on them?

July 10, 2018

What to consider when it comes to Insurance Premiums! Obtaining appropriate life insurance shouldn’t be about price but purpose or reason for the cover. However, even if you have taken the time and effort to implement an Insurance Strategy, no one likes to pay the premiums, especially when they start to sky rocket at a […]

Read more