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SMSF Insurance – Insurance for Self Managed Super Funds (SMSFs)

Guide to the Pros and Cons of SMSF Life Insurance The following is a summary of the key considerations when taking out SMSF insurance policies: What are the main benefits of SMSF insurance policies? Provides insurance protection for members Can be tax effective vs personal ownership Reduces cashflow pressure by...

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Coronavirus and Life Insurance

How does Coronavirus (COVID-19) affect Life Insurance policies? Updated 1st December 2021 The novel coronavirus, or COVID-19 as it is commonly known, has to date infected over 260 million people worldwide and been responsible for over 5 million deaths. Insurance Watch has received many enquiries from policyholders wondering: ...

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Reduce Income Protection Insurance cost

20 top tips to get the best value income protection insurance (Updated 1st October 2021 for income protection changes due to APRA Sustainability Measures) For some insurers Income Protection claims have almost doubled between 2017 and 2020. This has resulted in some sharp hikes in income protection...

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APRA Changes to Income Protection

Thinking about taking out income protection? Now is the time to act Updated 20th May 2021 By 1st October 2021, all major life insurance insurers must stop offering their current range of income protection policies and start issuing policies which comply with APRA’s Sustainability Measures. Existing income protection...

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Are you paying a “Lazy tax” on your insurance?

What is a “Lazy tax”? Consumers often assume that insurance companies will reward them for their loyalty over time. However the reality is that many insurers are focused on making new sales and their best offers are only made available to new customers. In essence existing customers could...

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Income Protection for “Tradies”

Who is a “Tradie” Tradespeople, or “Tradies” as they are commonly known, are skilled workers usually with some kind of trade qualification. In many cases an apprenticeship is required before being qualified to practice. Some of the most common trades are: Builders Plumbers Electricians Mechanics Carpenters Boilermakers Masons Tilers Plasterers Glaziers NEWS ALERT: Major changes are coming to...

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Superannuation Insurance

Why Life Insurance from your Super Fund may not be so super! The Productivity Commission estimated in 2018 that around 12 million Australians have life insurance, such as death, TPD and income protection, through their super fund. Most of this is default or automatic insurance. Auto acceptance...

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Increasing Your Insurance Cover

How can I easily increase my insurance cover? If your insurance policy is guaranteed renewable you are covered regardless of future changes to your health, occupation or pastimes. But what if you realise that you don’t have enough cover and you need to increase your insurance...

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