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  • A Travel Insurance Primer  By : frankkshirsagar
    Purchasing travel insurance can be so overwhelming at times that some travelers don’t even want to bother thinking about it. However unpleasant the task may be, ignoring it is a risk that’s not worth taking. A little effort to get coverage can be a life-saver if something goes wrong during your trip. You can easily find a policy that fits your need
  • Can Obamacare Really Create Competition in 2015…Find Out Now!  By : Esther K Knighton
    Get health insurance policies and subsidies to abide by with Obamacare. Obtain the 10 Essential health benefits with preexisting problems. Eliminate Penalties.
  • Include Life Insurance When Planning for Baby  By : Michele Cleary
    Did you know that more often than not, new parents don’t have enough life insurance to cover the addition of a family member?
  • Is Invisalign Covered Under Dental Insurance?  By : William Huynh
    Did you know that orthodontic treatments, including braces and removal appliances, are the most commonly claimed medical procedures under private health insurance (based on information from the Australian Private Health Insurance Ombudsman)? That should assure you that your invisalign treatment can be included in your dental insurance cover. Take note that such coverage is only available in private health insurance.
  • The Importance Of Yoga Liability Insurance  By : Faye Martins
    One of the world’s most popular forms of exercise is yoga. Around the world, it is regularly taught in dozens of countries and thousands of gyms. Through its practice, people can learn to control their breathing and have their flexibility improved. …
  • Effectively Choose Insurance With These Tips  By : Rhen Sambal
    Most of us don’t like thinking about our need for a life insurance policy. It’s human nature to try to believe that we will live forever.
  • Become Knowledgeable About Insurance By Reading These Tips.  By : Yuan Franceiz
    Insurance… We all have it. We all need it. So how do we get the most out of our money? There is a lot to know and a lot to avoid when it comes to any kind of insurance. Take the advice laid out here to understand what you can do to cash in on savings, and make your insurance policies the most beneficial they can be.
  • Great Insurance Tips For The Savvy Consumer  By : jana cheng
    If you need insurance of any type, there are certain indicators of your needs, factors to consider, and types of insurance, that you may want to explore. Understanding the insurance that you need starts with getting good advice and you can get a great deal by using the insurance tips in this article.
  • What You Need To Know About The Life Insurance Act, Australia  By : Kerrie Peacock
    Whatever financial transaction you perform or contract that you get into, you must always ensure that it has legal backing; otherwise you might have no legal recourse in case things go wrong. When it comes to life insurance, you can confidently sign that contract with an insurance company, with the assurance that such a transaction is regulated by the Life Insurance Act, Australia.
  • Interesting Facts About A Life Insurance Broker  By : Kerrie Peacock
    If your broker is a member of the National Brokers Association (NIBA), such a business entity would be automatically bound by this code. The provisions of such a code are intended to foster good relations between intermediaries, clients, insurers and every other entity involved in the insurance industry. These provisions also help in ensuring efficiency in transactions within the industry.
  • Current Standards In Life Insurance Accounting  By : Kerrie Peacock
    The AASB 1038 incorporates accurate and reliable reporting of premiums, claims, asset valuation, assets and liabilities related to an insurer. Among these factors, the aspect of profit is quite unique in life insurance, which is adequately catered for in the AASB standard, since such profit can only be evaluated with regard to the all the services provided during the entire life of an insurance contract.
  • Income Protection Insurance In Superannuation Funds – What Are The Benefits?  By : Kerrie Peacock
    Taking out income protection insurance ensures that you are covered in the event that you are unable to work for some time due to serious illness or injury. You have the option of purchasing your income protection insurance in superannuation funds or you could choose to purchase the cover outside of them. The decision on whether to have your cover inside or outside of a superannuation fund will be determined by your individual circumstances.
  • Maryland Automobile Insurance Fund Helps Car Owner Find Optimal Coverage  By : Zara Evans
    Buying auto insurance in Maryland should no longer be a problem. With the Maryland Automobile Insurance Fund at your assistance, you should never think twice about hitting the roads without the minimum coverage.
  • The Basics of Making a PPI Claim  By : evikram kumar
    There have been many claims filed to get PPI refunds but very few have been successful thus far. One main setback is that most of those who make such claims are not eligible while others lack the basic knowledge of how to go about the whole process
  • Income Protection Insurance In SMSF – Make The Right Decision  By : Kerrie Peacock
    If you are accustomed to a paycheck at the end of every month, then income protection insurance would be an ideal policy for you. This is because of the burden this policy will remove from your shoulders if you are unable to work due to illness or injury. What income protection insurance does is that it provides you with a regular income, usually up to 75 per cent of your usual income, until the time you are able to resume work.
  • Life Insurance Agent – What You Need To Know About Your Agent  By : Kerrie Peacock
    A life insurance agent is usually trained by the company to transact business on its behalf and as such is expected to be highly knowledgeable on all the aspects of the company’s life insurance policies. Apart from that, your agent should display a high level of professionalism. He should be available for consultation, answer all your questions diligently and clear your doubts, enabling you to make the right choice.
  • Income Protection Insurance Comparison in Australia – How To Get The Best Cover  By : Kerrie Peacock
    Income protection insurance offers you a safe landing when you are suddenly unable to work due to an illness or injury. You will be able to access a monthly payment that will enable you to pay for your immediate expenses and debts. When planning to take out an income protection insurance policy, it is always a good idea to check out the different policies available so you can settle on the best income protection insurance.
  • Insurance Customization: Things You Can Do To Personalize Your Policy  By : Jericho Barnes
    Whether you are new to the insurance world, wanting to combine your policies, or shopping for better rates or coverage, you probably have some questions. Here you will find lots of helpful information that will make it fast and easy to learn more about the often confusing world of insurance.
  • TPD Insurance Quotes Online – Identify The Policy That Is Right For You  By : Kerrie Peacock
    One of the best ways of finding out the policy that best suits you is to get TPD insurance quotes online. This is a convenient way of picking the most suitable insurance policy for your circumstances. When you go online, you can decide to visit the website of your preferred insurance provider. On the website, there is a form that is available which you should fill in order to get your TPD insurance quotes online.
  • Comparing Income Protection Covers – Make The Right Decision  By : Kerrie Peacock
    There are a few factors that can make your income protection cover work very well for you. Selecting a waiting period that is convenient for you is important; this is the time during which you will not receive any benefit after you are out of employment. However, note that the shorter the waiting period, the more you will have to pay for your premiums. The benefit period, which is how long you will be paid the benefit, is also critical.
  • How Will My Life Insurance Policy be Processed  By : Michele Cleary
    Many people wonder what happens when you apply for life insurance. But first, let’s go through the basics. Whether you have a family or even if you live alone, purchasing a life insurance policy is a smart decision because it can protect the assets you own, such as your home and your retirement accounts
  • Colonial First State TPD Insurance – The Processes Involved  By : Kerrie Peacock
    This process of having your TPD insurance within super but offered by other insurance providers is known as partial rollover, and enables you to get your TPD insurance at a cheaper rate. This is because when your premiums are paid, a 15 per cent tax benefit is applied, meaning your premiums are paid at a lower cost. The premiums are normally paid once a year and you can renew your Colonial First State TPD insurance policy annually.
  • Best Life and TPD Insurance – Tips For Finding The Best Cover  By : Kerrie Peacock
    The exclusions and restrictions of the policy are also very important to note as these may render the policy irrelevant to you depending on your circumstances. The amount of coverage under your TPD policy should be sufficient to take care of you in case the event insured against takes place. It is also advisable to carry out a background check of your preferred insurance provider to ascertain that they offer quality services to their clients.
  • Effects Of GST On Income Protection Insurance  By : Kerrie Peacock
    To ensure your income protection insurance is tax deductible, there are some conditions that need to be fulfilled. First and foremost, your benefit has to be paid in arrears and not as a lump sum for tax deductibility to be considered. Once you receive your benefit, it has to be included in your tax returns and you can also claim tax deductibility for premiums you paid before 30th June in the current year’s tax return.
  • Credit Score and Home Insurance  By : Nikitas Tsoukalis
    People with poor credit may pay up to 91% more on home insurance than those with excellent credit; Another pitfall to having less than stellar FICO Score!
  • Commonwealth Bank TPD Insurance – Features And Benefits  By : Kerrie Peacock
    There are certain specific benefits that come with the Commonwealth Bank TPD insurance policy. The death benefit cover applies if you have a standalone TPD cover. A payment of 10,000 dollars will be made in the event of your death if you do not have any other TPD benefit that should be paid out on your death. An accommodation benefit will cover the cost of having a member of your family close to you if you are immobile and away from home.
  • Income Protection Insurance Underground Mining – Important Considerations  By : Kerrie Peacock
    Miners play a crucial and integral part in the Australian economy. Most of them receive substantial remuneration; however, they still work in a hazardous environment with numerous potential risks. These risks create a need for a safety net in the event that you’re injured or unable to work. Statistics show that 23 percent of all serious claims lodged by miners involve absence from work for more than 3 months.
  • Income Protection Deduction ATO – What Is Allowable?  By : Kerrie Peacock
    The ATO requires that once you receive payment against the loss of your income, this payment should be included when you make your tax returns. These payments need to be included in the financial year within which they are received. If you have a business and your premiums go towards paying to protect the income earning level of the business, you might be able to claim an income protection insurance deduction.
  • TPD Insurance Payout Taxable – Get The Right Information  By : Kerrie Peacock
    If you would like to take out a TPD insurance cover, there are basically two ways in which you can do it. You can either take out the insurance in your name, or you can decide to hold it in your superannuation fund. The superfund is a method that is used to save for retirement, and the funds come from various sources, including contributions from your employer and your own contributions. You may also get some contributions from the government.
  • Uncover These Myths By Reading Good Life Insurance Articles  By : Kerrie Peacock
    According to a 2014 report by the Financial Services Council (FSC) and MetLife, the recommended level of coverage should be ten times your household earnings. That is what will help pay for outstanding debts and cater for necessary expenses for your loved ones. However, if you wish your family to maintain their current lifestyle, you’ll need to target coverage levels amounting to 15 times your household earnings.
  • TPD Insurance Tax Deductible – What Constitutes Tax Deductibility?  By : Kerrie Peacock
    When deciding whether or not to take out your insurance cover within or outside a super fund, there are a few aspects you need to consider, more so for TPD insurance. Tax deductible premiums should not be the only factor you should look at. Whereas the TPD cover has tax deductible premiums making it more affordable, a standalone policy will offer you a more comprehensive cover and a wider range of benefits.
  • Income Protection Insurance for People with Diabetes – Possibilities and Challenges  By : Kerrie Peacock
    Income protection insurance is meant to cover you once you are unable to continue working due to an illness or injury. This means that at the time you will be out of work, you will continue to get a regular income that will take care of your cost of living. Income protection insurance policies differ among different providers in that they define disability differently, and the benefits you will be able to claim also differ.
  • Income Protection Insurance Claims Process – Steps To Be Followed  By : Kerrie Peacock
    Even after your income protection payments have been approved, the income protection insurance claims process will continue. This is because a monthly assessment has to be conducted to ascertain that you are still eligible to receive the monthly payments. A monthly report will need to be filled jointly by you and your doctor, which is then forwarded to your insurer to confirm that you are still eligible for the payments.
  • Getting More Bang For Your Buck With Auto Insurance  By : Daren
    As you probably know if you’ve ever looked for auto insurance before, it can be difficult to know which company, and what policy to choose to fit your needs. Many companies are untrustworthy, and others charge way more than they should.
  • Income Protection Insurance Redundancy – What You Need To Know  By : Kerrie Peacock
    Income protection insurance is meant to cover you should you be unable to work due to an illness or injury. This policy covers you for a specified period of time. In the case of involuntary redundancy, not many insurance companies in Australia offer income protection cover. There are, however, some general insurance companies that have come up with a short term cover of up to 3 months for involuntary redundancy.
  • Is Your TPD Insurance Payout Taxable And Other Important Questions To Ask  By : Kerrie Peacock
    Once you identify all the accounts, you should check whether you’re required to pay any transfer or exit fees in order to roll over the multiple accounts into one fund. You should also confirm whether you’re likely to lose certain insurance benefits during this consolidation process. After confirming all these details, you’ll be in a position to make an informed choice, whether to consolidate or not.
  • Recording Studio Insurance  By : Victor Johnson
    Are you a music studio owner and has incurred loss due to the neighbor store being attacked by robbers?
  • TPD Insurance Super Fund – Get The Most From Your Insurance  By : Kerrie Peacock
    The total permanent disability insurance is an insurance cover designed to ensure that in case you suffer an illness or a disability that will cause you to be unable to work, you will have a soft landing. There are two ways in which you can take out a TPD insurance policy – either as an individual or through your superannuation fund.
  • TPD Insurance Deductibility – Understanding Tax Treatment  By : Kerrie Peacock
    Over the years, Australian families have continued to suffer financial and emotional pain caused by illnesses and injuries. Indeed, it is not pleasant to think about such eventualities, but that does not prevent them from happening. The best approach should be a proactive one – to ensure that you and your family do not suffer in the event that you as the bread winner are diagnosed with a total and permanent disability.
  • TPD Insurance Own Occupation – Understand Your Options  By : Kerrie Peacock
    Generally, funding through superannuation is more cost effective, but there are certain pitfalls that applicants must be aware of. For starters, before you can qualify to be paid, your disablement must meet the definition laid out under the Superannuation Industry Supervision Act of “any occupation” and “own occupation”. It is also worth noting that TPD claims paid as a lump sum under superannuation are liable to tax.
  • TPD Insurance Calculator – Conveniently Estimate Your Insurance  By : Kerrie Peacock
    A TPD insurance calculator enables you to get a good estimate of the amount of total and permanent disability insurance you should take out. Generally, it is advisable to take out a TPD insurance totaling ten to thirteen times your current annual income. The amount you settle on should be based on your needs. There are several steps you can use to help you settle on the amount of insurance cover that would be appropriate for you.
  • What To Look Out For When Buying An Insurance Policy  By : xtine austria
    Insurance comes in various types and forms, but that doesn’t mean that you have to be confused in getting the insurance you need. If you want to be sure to take on insurance with the knowledge that is most necessary, and the information in this article will help you make good choices.
  • Plan For the Future of Your New Marriage With Life Insurance  By : Michele Cleary
    For many people, marriage is the first time that they will take on responsibility for the well-being of another person, so it’s a great time to think about purchasing life insurance.
  • TPD Insurance Explained – What You Need To Know  By : Kerrie Peacock
    In 2005 alone, 57 percent of workers received financial aid as a result of injuries and disabilities. Every year, 50,000 Australians are diagnosed with heart attacks. As evidenced by these statistics, TPD insurance is important for every individual. The financial hardships that come with permanent disability are overwhelming and most people end up draining their savings, which should be a safety net for their future.
  • Reasons For Rejection Of A Total Permanent Disability Insurance Payout  By : Kerrie Peacock
    At times, policy holders may be interested in increasing their level of coverage. This would usually necessitate updating of their health information. In certain circumstances, you may not be required to provide such details. An example is the case of members of AustralianSuper who are eligible for automatic coverage. However, this exemption from providing health details would only apply up to a certain level of increased coverage.
  • What You Need To Know Before You Get A Total And Permanent Disability Insurance Quote  By : Kerrie Peacock
    According to a report by the Casualty Actuarial Society, the provision of Total and Permanent Disability (TPD) insurance has contributed greatly to the increased uptake of life insurance during recent years. This is because people who may not really have any interest in life coverage would still consider buying it, simply because of the TPD feature. In fact, they may even purchase coverage at much higher amounts.
  • Why Mortgage Life Insurance Isn’t Ideal  By : Michele Cleary
    Acquiring a large asset such as a home means that you should take a moment to re-evaluate your life insurance policy
  • Having a Baby? Have You Thought about Life Insurance?  By : Michele Cleary
    you’re having a baby, life insurance may not be top of mind. After all, there are innumerable things that cross your mind when you’re about to become a parent
  • GST Income Protection Insurance Premiums  By : Kerrie Peacock
    A broad definition of financial services by the ATO includes: lending or borrowing money granting credit to customers buying or selling shares and other securities creating, transferring, assigning or receiving interest in or rights under superannuation funds and providing or receiving credit under hire purchase agreements before 1 July 2012 (such credit must be provided for separate charges that are disclosed to purchasers).
  • What You Need To Know About A Life Insurance Beneficiary  By : Kerrie Peacock
    Under the Insurance Contracts Act 1984, Section 48A, beneficiaries to a life insurance policy must be third parties to the insurance contract. Since child cover is an added feature within the life policy your child will be considered a life insured. Hence, such a child would not be a third party to the insurance product. Therefore, your child would not be eligible to be nominated as a beneficiary to the life insurance policy.
  • Income Protection – How To Protect A Valuable Asset  By : Kerrie Peacock
    Economic issues over the last decade or so have lead to a lot of financial stress. Given this, there has been a large wake up call for many residents of Australia. Loss of work hours or the complete inability to provide financial stability for your family can obviously cause a large financial drain. Injuries or illnesses can also have life altering and completely devastating impacts on you and the family members that depend on you financially.
  • Total And Permanent Disability Insurance – Just What You Should Know  By : Kerrie Peacock
    Total and permanent disability insurance pays a lump sum in case you are critically sick and not able to function. The disablement has to be overall and irreversible. The funds paid could guarantee that you cover your clinical costs, pay off mortgage personal debts and offer financial support to your family to cater for their day to day expenses. This cover handles various meanings relying on the company.
  • Protecting A Valuable Asset: Income Protection  By : Kerrie Peacock
    Income protection insurance provides you with the opportunity to protect your most important asset, your ability to provide for your family. While it won’t give you a complete replacement of your income, it will allow you to protect up to 75 percent of your income. That can go a long way toward helping you meet financial obligations. There are many benefits to selecting such a policy.
  • Differences Between TPD Insurance Outside Super And Inside Super  By : Kerrie Peacock
    Another key benefit of TPD cover inside your super is the fact that you pay premiums from pre-tax contributions. This makes your coverage even more cost-effective, since you will have fewer deductions on your disposable income. In case you do use after-tax contributions in paying for your TPD insurance premium, you may still claim government co-contribution, if you are eligible. Such a benefit is not available with TPD cover outside super funds.
  • Limiting Risk In Business With Insurance Coverage  By : Leeanne Kunnert
    No matter what size business you own whether it is small, medium or large purchasing business insurance is crucial. Risks are inevitable when it comes to owning a business.
  • How Much TPD Insurance Do I Need?  By : Kerrie Peacock
    According to a 2013 report titled, “Underinsurance in Australian”, by Rice Warner, the recommended minimum level of coverage for life or disability cover is about ten times your annual household earning. However, the best case scenario is a level of coverage that is fifteen times your annual household income. This will ensure that you can comfortably maintain your current lifestyle in full.
  • Total And Permanent Disability Insurance – Important Considerations  By : Kerrie Peacock
    TPD can be taken out as a standalone policy or as an additional feature in your life insurance policy. TPD offers a lump sum the claim is payable once and the benefit paid out will depend on the severity of your disability. The amount applied for will also be factored in. It is important to remember that you will not receive any payment if the disability you incur is considered partial or temporary.
  • The Challenge Of Assessing Claims For A Total And Permanent Disability Insurance Policy  By : Kerrie Peacock
    Based on this definition a difficulty arises when making medical assessment for claim payments. This is because medical professionals are only qualified to make medical assessments based on the patient’s impairment in relation to diagnostic criteria. However, the medical assessment for TPD claims requires that a doctor makes subjective assessments of the policy holder’s capacity to perform various occupational duties.
  • Life Insurance Types: Direct And Advised Life Insurance  By : Kerrie Peacock
    In direct life cover you would have to understand every aspect, including legal issues, no matter how complicated. On the other hand, advised life cover gives you the benefit of receiving knowledgeable advice from professionals who understand all legal aspects, as well as the complicated medical underwriting issues. This will help you know exactly how to maintain your life policy and also help in lodging claims for benefit payments.
  • Choosing The Right Plan For Your TPD Insurance Cover  By : Kerrie Peacock
    In case you get disabled, you have either of two options to secure your financial status: disability pension or TPD insurance cover. However, the amount of financial support you can expect from disability pension may be insufficient for your needs. For instance, in 2011, a disabled spouse having children would receive $670.90 per fortnight, which is far below the 2011 average adult weekly earnings of $1,288.10 (based on the data provided by ABS).
  • About Rental Insurance  By : Tim Witherspoon
    Many renters don’t stop to think about what happens if there is a fire, someone breaks in and steals their new TV or stereo, or a visitor slips and falls on their property. The sad truth is; you will be responsible!
  • How To Get A Life Insurance Quote Online And Buy Life Cover  By : Kerrie Peacock
    Depending on the maximum limits provided and other restrictions, you can choose the most appropriate policy from the variety of products an insurer has. Going directly to the insurer also offers you the opportunity of getting accurate information concerning the actual product you are buying. Make sure to carefully read the Policy Disclosure Statement (PDS) and all relevant documentation in order to avoid disappointments in future.
  • Why You Need To Review Your Death And TPD Insurance Premiums  By : Kerrie Peacock
    The 2008 joint report, by AIST and IFF, revealed that 16% of Australians were over-insured by approximately $100,000 or more for life cover. This only represents a fraction of 37% of Australians who were over-insured to some extent for life cover. 4% of Australians were also over-insured by approximately $100,000 or higher amounts for TPD cover. It’s also interesting to note that younger people were the most likely group to be over-insured.
  • What Is Life Insurance And Why You Should Not Avoid It  By : Kerrie Peacock
    The reality is that life cover would cost much lower than $1,500 a year. In fact, it may cost even less than half that amount. The Financial Services Council (FSC) reports that average premium cost of life cover for a non-smokers aged 35 years is only $600 annually. Apparently, you will get sufficient cover for as little as $1.65 per day. That is definitely an amount that most, if not all Australians can afford.
  • Life Insurance Company Ratings: Selecting The Best Insurer For Your Needs  By : Kerrie Peacock
    It’s unfortunate that only 42% of Australians seek financial advice when purchasing life cover (based on a 2008 Lump Sum Experience Study, by the Financial Services Council (FSC) and KPMG). Getting financial advice can play a key role in helping you choose the most appropriate cover. Perhaps many people consider hiring a financial expert as an unnecessary expense, but you should view it more as a long term investment.
  • What You Need To Know About TPD Insurance Payout Tax  By : Kerrie Peacock
    The Australians Taxation Office states that the time you get your benefit payment with respect to your preservation age (for TPD cover within super funds) will determine the exact amount of tax you have to pay. You will receive a tax offset that reduces the tax rate on your benefit payment by 15% (applies to the taxable component of the benefit payment) if you do receive your benefit payment at an age lower than your preservation age.
  • Why TPD Insurance Home Duties Is Just As Important As Own Occupation And Any Occupation  By : Kerrie Peacock
    There is also a high risk that you may be injured right at home. In fact, the 2012 report by CommInsure reveals that 30 per cent of Australians had been or knew someone who had been hospitalized as a result of do-it-yourself jobs within the home environment, whereas 32.3 per cent were hospitalized due to other home activities, and 21.3% had or knew
  • Health Insurance and Risk Management  By : Ethen Hunt
    What is the relationship between successful risk management and choosing the best health insurance plan? What is the main aim behind the purchase of health insurance? Read more about Health Insurance and Risk Management.
  • Term Life Insurance- The Best Bet For Senior Citizens  By : Kerrie Peacock
    Most people in their sixties will probably brush aside the need to procure a life insurance cover primarily because they think that death is imminent. However, this judgment is misplaced and according to a recent report by the Australian Bureau of Statistics (ABS), both men and women who were aged 65 years between 2010 and 2012 have a life expectancy of 84.1 and 87 years respectively.
  • How To Find Inexpensive Life Insurance  By : Kerrie Peacock
    If you already have a policy, and you have since made the commitment to get healthy, let your insurance company know. They may apply a discount to your life insurance. Some providers even have programs in place to reward healthy living. In one such example, policy holders earn points for every healthy behavior they engage. Those points then translate to discounts down the road, as well as other rewards.
  • Income Protection If I Lose My Job And Other Exclusions  By : Kerrie Peacock
    Despite few insurers offering income protection cover for job loss, different insurance companies may provide various forms of support during the period of involuntary unemployment. A premium waiver is one form of support. Although, this may not seem to provide significant help, it does reduce the total expenses that you have to pay at a time that you have no income. Other forms of support include: retraining, or return to work services.
  • Reasons To Buy Life Cover For Your Kids  By : Kerrie Peacock
    It is obvious that young children have numerous years ahead of them compared to senior Australians hence the cheaper premium rates. The pocket friendly rates are further reduced if your family for instance has a remarkable health history with no terminal or hereditary illnesses involved. The best part is that these low rates are maintained even through the transition from a child cover to a life insurance cover when he/she turns to an adult.
  • Total And Permanent Disability Insurance – Understanding TPD  By : Kerrie Peacock
    Total and permanent disability insurance is commonly referred to as TPD. This is a living insurance plan that provide policy holder with a lump sum payout if an injury or illness renders them permanently disabled. The effect of the injury also mean that the policy holder is unable to resume work. In other words, the disability needs to be total and permanent. One of the best things about this policy is that it can be bundled up with a life cover.
  • How A Life Insurance Quote Can Help You Overcome Doubts About Getting Life Cover  By : Kerrie Peacock
    According to a 2014 survey, by the Financial Services Council (FSC) and MetLife, Australians lack clear understanding of the true cost of life insurance products. In fact, the survey revealed that most Australians believe that life and TPD cover would actually cost the same in terms of premium rates. This is completely mistaken. Majority of those interviewed in the report claimed that life cover would cost them approximately $1,500 a year.
  • Advice On Finding The Right Auto Insurance Policy  By : Wendy Miller
    Choosing the right auto insurance company can be confusing, but it’s also extremely important.
  • Reasons Why Buying Life Insurance Online Is An Excellent Choice  By : Kerrie Peacock
    1 in 3 working Australians claim that they don’t have sufficient knowledge to give any advice on life cover (based on a 2014 survey, by the Financial Services Council (FSC) and MetLife). Such lack of awareness is quite surprising, particularly in the modern world whereby life insurance information can easily be accessed online. You can easily check various aspects, apart from conveniently applying for life insurance online:
  • Term Life Insurance With No Medical Exam: Affordable Life Insurance  By : Kerrie Peacock
    As per a 2012 Health Survey, Western Australia had the highest percentage of heavy drinkers putting themselves at risk of all of the Australian states in 2011 to 2012. These potential clients are likely to be high risk when it comes to long term health issues. This can increase rates dramatically and cause the client to be denied any insurance coverage.
  • Final Expense Insurance  By : Elliot Binsu
    If a Life Insurance agent were to ask you any of the following questions, would you be able to give definitive answers? Have you given any thought to what would happen to your family if you were to suddenly die?
  • Why Life Insurance Is A Must Not An Option  By : Kerrie Peacock
    As you can see from above, getting life insurance isn’t about you at all. It’s about protecting your family by making sure their financial needs are met when you move on to the next life. If you don’t have life insurance or your protection amount is not enough to cover for your family’s needs within the next five years at least, do the most respons
  • Personal Insurance Explained In Simple Terms  By : Kerrie Peacock
    Think about what happens when a parent who works dies in the average family. The household income will decrease by half right away, yet the expenses don’t change, like the mortgage payment on the home, school tuition for the children, food and clothes. Because of this, life insurance is the best option in ensuring that your death will not lead to your family’s financial demise.
  • Reasons To Buy Life Insurance  By : Kerrie Peacock
    Unmarried persons and those without any responsibility consider themselves to be immune from risks and never think about life insurance. These people consider themselves to be living a risk-free life and do not need any insurance cover. Persons with responsibilities or high end assets however insure their properties against risking factors. They also take insurance on their income potential, disability and even consider life cover.
  • Best Life Insurance For Senior Citizens – Term Life Cover  By : Kerrie Peacock
    According to a 2011 CommInsure Life Insurance Survey by Newspoll, almost half (47 %) of Australians aged 50– 64 years don’t have life insurance. Definitely, these groups of senior citizens need life cover. At this phase, term life cover offers the best life insurance alternative, since you can choose in between differing durations of cover, ranging from 10, 15 or 20 years.
  • Is Income Protection, Life And TPD Insurance Tax Deductible?  By : Kerrie Peacock
    Both premiums for life and TPD insurance may be deductible under specific situations. This means that TPD insurance and life cover premiums may be tax deductible only if they are organized within a superannuation fund. However, the circumstances for life cover is a bit more complex, since tax deductibility of this cover is only possible if the policy holder is self-employed , despite the fact that such a cover is within a superannuation fund.
  • Why Get Life Insurance For Your Child?  By : Kerrie Peacock
    Every parent wants to see their children outlive them. The sad truth is that some children do pass away at a young age, before they even reach adulthood. A report by the Australian Institute of Health and Welfare (AIHW) said that there were 507 deaths of children between the ages of 1 and 14 years old in 2010. In fact, children from 1 to 4 years old had two times the death rate as compared to the older children.
  • The Benefits Of Purchasing Life Insurance  By : Kerrie Peacock
    Remember, when you die, your family is going to be left without. If you do not have insurance, they may need to ask for social security benefits. That falls on the government and the taxpayers. Good life insurance will help your family avoid that. The younger you are when you purchase life insurance, the lower your premium rates will be. That is another reason why it is a good idea to get insurance as soon as possible.
  • Life Cover: What You Need To Know About Over 50 Insurance  By : Kerrie Peacock
    Smoking will increase your premiums further: Being a smoker will raise the cost of getting cover even higher. According to data provided by Canstar, in the year 2013, smoking male Australians aged 50 years had to pay $285.58 and smoking female Australians aged 50 years had to pay $206.37, as the average monthly premium rates for life cover worth $500,000.
  • Different Types Of Business Insurance Policies and Risk Management Procedures  By : Leeanne Kunnert
    What type of insurance needs does your business have? Below you will find a brief explanation of different types of insurance protection for your business.
  • Good Reasons To Buy Life Insurance  By : Kerrie Peacock
    Last year, TAL published a report on the “Financial Protection Index”, which showed that nearly a third of people in Australia do not have personal insurance. This is a worrying statistic as the protection provided by personal insurance can be invaluable. If you do not understand what sort of cover and assurance life insurance gives you, or why it may apply to you, then here are some of the benefits it offers.
  • The Best Type Of Life Insurance Coverage For Senior Citizens  By : Kerrie Peacock
    Not many Australians receive any money from their parents when they pass away. This fact has been reported and detailed in a survey conducted by HILDA (Household, Income, Labor and Dynamics Australia). In 2010, less than 2 percent of Australia’s population over the age of 15 years old received $87,000 in inheritance from their parents.
  • Income Protection Insurance Comparison: Extra Features From Different Insurers  By : Kerrie Peacock
    Income Protection insurance helps to safeguard your regular flow of income. The benefit of this cover would be appreciated when you’re unable to work due to illness or injury. Such a cover is critically important, especially since Safe Work Australia records that 638,400 workers incurred work-related injuries in 2009-10.
  • Life Insurance Comparison For Expats  By : Kerrie Peacock
    When comparing different products from various insurers, you should consider whether the level of cover and premium rates would vary depending on the particular country that you move to. This also means that you should always inform the insurance company whenever you move from one country to the other. You may be required to update or even change your policy whenever you change locations.
  • Term Life Insurance: No Medical Exams Needed  By : Kerrie Peacock
    More than 75% of all Australians have careers that preoccupy their minds for most of the day, meaning they don’t have enough time to take medical tests required by some insurance providers. Most of these medical examinations and underwriting of the same consume lots of expensive time, a reason enough why many residents here lack insurance cover.
  • Useful Tips When Researching UK Motor Insurance  By : Warren Sure
    Bringing down motor insurance to a reasonable level is well within the scope of almost everyone, as long as you do your own research and apply several rather simple recommendations when seeking a replacement plan.
  • Life Insurance In Australia – Securing The Future  By : Kerrie Peacock
    Life is full of uncertainties and anything can happen anywhere, whether injury, disability or even death. This can have a great advice impact especially on those who are close to you emotionally, socially and even financially. It is therefore important to cushion yourself well enough from these probable eventualities, in order to secure some sort of financial certainly.
  • Income Protection What Does It Cover?  By : Kerrie Peacock
    According to The Risk Store, the Australian insurance industry, paid out 40,215 claims, worth $1,163,027,498, under income protection cover in 2012. This means that each of the policy holders received regular monthly payment worth up to 75% of their income during the period in which they were disabled and unable to work.
  • Personal Insurance – Understanding Your Life Insurance Needs  By : Kerrie Peacock
    Unpredictable investments and lack of job security has made it difficult to plan for retirement. Tough economic times bring in yet another variable when it comes to determining how much life insurance is sufficient for you. Different methodologies have been introduced to help calculate insurance needs, such as online calculators and even formulas.
  • What You Need To Know About TPD Insurance And Tax In Superannuation  By : Kerrie Peacock
    Buying TPD cover through your super fund will give you the added advantage of favorable tax treatment. According to the Australian Taxation Office, super funds are entitled to concessional tax treatment, which means that taxation is applied at a maximum rate of 15% on employer and employee contributions. However, this doesn’t apply if an employee’s earnings go beyond $300,000 annually.
  • Affordable Term Life Insurance Without Medical Exams  By : Kerrie Peacock
    Affordability of life insurance policies has grown thanks to thrive competitiveness across Australian insurance providers. A good example of this is in the medical underwriting process in the life insurance policies. The providers are overlooking the medical exams, which has resulted in a much flexible policy all thanks to the competitive climate.
  • Using Plain English To Explain Personal Insurance  By : Kerrie Peacock
    Many families’ lives have been destroyed financially, emotionally and mentally when the moneymaker in the home gets injured and can no longer work. Car payments fall behind, there is not enough money coming into the household to buy food or pay doctor bills. Which can be just as devastating to the actual family structure as not having some form of coverage at all?
  • Ideas For Getting The Most Out Of Your Auto Insurance  By : Wendy Miller
    One overlooked way to save money on your car insurance is to stick with the same company for an extended period of time.

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