There are two things in life you can be certain of, death and taxes. While you can’t avoid either, you can certainly minimize the financial impact in the event of your death. No one likes to think about his or her mortality, but the fallout of not having life insurance can be doubly devastating on…
These days you can find insurance to cover almost any situation, your home, car, health, life, TPD and trauma. Most people will be familiar with these types of insurance, and some might even have several of these insurance policies in place. They each have their benefits as well as limitations when it comes to the…
A recent global study conducted by MetLife, into the financial concerns, needs, habits and expectations of employees in Australia, Brazil, India, Mexico and the UK found that more than half of the Australian workers surveyed, the major concern is having enough money to pay household bills in the event of sudden income loss. Yet few…
Our ability to work and earn a living is regarded as a valuable asset, so having insurance that helps protect our financial assets makes good sense. With so many different insurance policies available, knowing which type of insurance will meet your needs can be a complicated business. Understanding what kind of cover you’re really getting…
Income protection insurance provides you with a replacement income if you are unable to work because of an injury or illness. Income protection insurance can also provide you with assistance when you’re ready to go back to work. Typically income protection pays a monthly benefit of up to 75% of your income while you are…
Let’s face it earning an income is important, it pays for our necessities and allows us to save, invest and build wealth for retirement. To suddenly find yourself in a situation where you cannot earn your income because you’re ill or injured is a distressing prospect. With no income how are you going to pay…
Most Australian families have some level of life insurance cover, but what most people might not realize, is that they barely have adequate cover to continue their mortgage payments and daily living expenses, on top of their medical bills in the event of a serious illness, accident or even death of the main breadwinner. According…
Whether you’re young and just starting your career, a single parent, approaching mid life or looking forward to your retirement, having life insurance cover is reassuring should you unexpectedly have an accident or illness that prevents you from earning your income. Taking out life and total and permanent disability (TPD) insurance through a superannuation fund…
Income protection insurance can provide you with up to 75 percent of your normal income if you are injured or ill and are unable to work. It can be a real saviour in times of need. Unless you are a believer in tarot, a practising astrologer, a seer with the power of foresight, then you…
Getting life insurance is a must, so here is a guide to show you how to do it. If you are a prudent and sensible person then you need to have life insurance. You never know what is going to happen and the last thing you want is to become a burden on your family…