If you or a loved one have had a cancer scare, you know that one of the first things that you’re confronted with is the possibility of death. According to Cancer Australia, it is estimated that over 138,000 new cancer cases will be diagnosed in 2018, with an estimated 48,586 deaths will result from the disease.
If you’ve recently taken out a mortgage, gotten married or started a family, you might be wondering whether a single policy combining life insurance, TPD and trauma cover might be better than purchasing them separately.
You know about nib health insurance policies, but maybe you’re wondering how their life insurance products compare to other leading life insurance companies in Australia.
If you’re an NRMA member and have received an offer to take out life insurance or already have life cover with them and are wondering whether it’s worth it, then we’re here to help you make an informed decision.
If your super fund is with AustralianSuper and you want to review your automatically included life and TPD coverage, or you’re contemplating joining this supperanuation and wondering whether you should opt-out of the insurance coverage they provide and instead get protection elsewhere, then keep reading.
One of the biggest reasons life insurance claims generally get denied is because of non-disclosure and misrepresentation. Not fully complying with your duty of disclosure, particularly regarding your medical history, can potentially lead to your insurer voiding your policy.
It’s well known that one of the most significant differences in life insurance premiums comes down to whether you’re classified as a smoker vs a non-smoker. But, did you know that using e-cigarettes or vaping can result in higher life cover premium rates?
Do you have car insurance or home insurance from AAMI or saw one of their television ads and wondering whether it’s worth getting life cover from them?
Insurance through your superannuation might be a good idea if you want to avoid exclusions and premium loadings. However, if you’re young and healthy, you can generally get a fully underwritten policy that’s tailored to your unique requirements for much cheaper. There are also some tax implications and cover restrictions when choosing to take out insurance through your super fund.
Whether you currently have an ANZ life policy or are curious about their offering because you want protection from the same bank that’s providing your home loan or personal loan, it’s generally a good idea do an annual ANZ life insurance review and then compare life insurance policies from other top Australian insurers.
