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You have already insured your home and your car. Don’t you think it’s high time you consider insuring yourself and your ability to earn income too? You see, sickness and accident can happen to anyone, anywhere, and at any time. And the less prepared you are for the worst thing that may happen, the more…
Do you want to buy a policy on top of your life insurance? If yes, then you better know your options to determine which one best suits your needs. You can always consult an insurance broker to provide you with this information, or better yet read on this article to find out what are the…
Features and Benefits of Real Income Protection ( an overview) Falling behind bills or the inability to provide for daily needs could slow your recovery should you get sick or become injured and can’t work for a given period of time. With income protection insurance in place, you can stop worrying about regular income and…
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Notifications of higher premiums of as much as 50% for cover through superannuation are being sent to members. From June 29, about 2 million AustralianSuper members will have to endure 40% higher death and total disability premiums and 25% increase on income protection cover. TAL Australia’s Jim Minto said the increase is a result of…
Effective 1 July 2013, superannuation guarantee contributions rate is set to increase 0.25% to 9.25%. This has to be paid on superannuable payments to employees on or before the said date even if the pay is for services rendered before July. The rates increase may: Affect a great number of employees who are seen to…
Taking on insurance coverage includes considerations about price, package, offers and extras. Understanding how each one could be helpful may not be that easy. The cheapest policy may not be the best for you as it does not come with optional extras. If it is only income protection you need and you don’t mind the…
Legislative changes confuse 500,000 insured Australians using self-managed superannuation fund. Still, huge growth in SMSF retirement savings continues. Hence, TAL’s David Glen said clients and advisers must work together to determine what would provide best for life insurance needs: SMSF, retail superannuation or outside superannuation. Thorough knowledge on SMSF use in investment and tax…
With the many advantages associated with SMSF, the same can’t be said in the event of death especially at a time most unexpected. In most cases, the death benefit comes from a portion that has to be sold to pay the surviving spouse. Recently, where death and property purchase inside SMSFs are concerned, values…