Ever wondered how insurers work out the cost of your life insurance? When you understand the main factors, you’ll see you have more control over your cost than you might think.
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Here we dispel some common myths about life insurance to help you make informed decisions about your cover
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Life insurance is all about providing a financial safety net that helps you take care of yourself and your loved ones when they need it most. It’s about peace of mind in knowing that no matter the adversity, you and your family’s financial stress will be reduced and you can focus on rebuilding your lives. But have you ever wondered how much insurance companies actually pay out?
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A recent article by Life Insurer TAL explored the payment of Life Insurance claim proceeds to a child or children under the age of 18 which highlights the significance of considering estate planning as part of designing a personal insurance program. The surviving legal guardian of the child may have the the ability to make financial decisions on behalf of the child which needs to be considered in the context of the deceased parents wishes.
From 1 July 2017, significant changes to superannuation, consequently impact insurance and succession planning strategies which may give rise to the need for reviewing of existing insurance and estate plans.
Life insurance is one of the most important investments you can make to protect your family’s future well being. And like any investment, it needs careful consideration. Continue Reading
In the unlikely event that you break a leg or, heaven forbid, die prematurely you and your family have got it covered, right? You’ve got life insurance care of your super fund, not to mention that pricey health insurance policy. And if worst comes to worst, there’s always a government pension to fall back on, isn’t there?
Whoever said, ‘the more things change the more they stay the same’, was dead wrong when it comes to life insurance. While protection against adversity is always wise, your actual needs change as you move through different ages and stages of life.