Risk Insurance

Making a claim

Obviously, we hope that none of our clients ever make a claim on their life insurance policy. But, from time to time, claims need to be made. Here is our step-by-step guide to what happens when you make a life insurance claim.

Making Life Insurance Premiums More Affordable

People typically need life insurance at the same time as there are many demands on their income. In fact, it is the presence of these demands that creates the need for insurance in the first place. Because money is tight, it always pays to make life insurance premiums as affordable as possible.

Life Insurance. Who needs it?

One of the most common questions we are asked is ‘who needs what’ kind of insurance cover? This week we examine the major types of life insurance and give our opinion as to who needs to take out each form of cover.

All about Death Cover

Death cover pays your loved ones a benefit if you die unexpectedly or prematurely. Hopefully, this never happens. But it pays to insure yourself, just in case.

Insurance Premiums and Tax

The tax treatment of life insurance premiums can be complicated. That said, if you can make your insurances as tax effective as possible, you can save many thousands of dollars over the life of your policies.

All about Trauma Cover

Many people think that life insurances are limited to death cover, total and permanent disability cover and income protection cover. But there is a fourth kind of life insurance that is often overlooked - but that can be very useful in certain circumstances.

All about TPD

Total and permanent disability (TPD) insurance is one of the most important life insurances around. As the name implies, TPD insurance pays you a benefit if you become ill or injured and cannot continue working as you did prior to the illness or injury.

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