CCA Financial Planners

Real Income Protection Insurance

Income Protection InsuranceBy Christopher Cachia 28.07.13

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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Just a Single Post

UncategorizedBy Christopher Cachia 16.07.13 Leave a comment

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Increase of Life Insurance Fees

Life Insurance, SuperannuationBy Christopher Cachia 16.07.13

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…

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Superannuation Guarantee Rate Increase

SuperannuationBy Christopher Cachia 01.07.13

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…

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Choosing the Best Income Protection Insurance

Income Protection InsuranceBy Christopher Cachia 23.06.13

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…

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Challenging Life Insurance for SMSFs

Financial Planning, Life Insurance, SuperannuationBy Christopher Cachia 18.06.13

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…

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