People say things in life are sent to test us and when you experience tragedy you reevaluate all things. I have had some major moments in my life where for some time I did reevaluate all things. The passing of my younger sister aged 31 years old from cancer, my Dad being diagnosed with kidney cancer and now living with only one very healthy kidney, but like most of us I became a prisoner to this … [Read more...]
When do I need advice about my superannuation?
July 3, 2015 by ·
When do I need advice about my superannuation? With all that's happening in financial markets at the moment, it's only natural to be looking for help to make sense of it all. Like all of us, you want to know what the changing markets mean for you, your family, your savings and your future. And when it comes to seeking financial advice, the best time is now! If you are not sure when to seek … [Read more...]
Federal Budget should kick-start insurance tax debate
May 14, 2014 by ·
The Abbott Government's decision to cut billions from health and education is set to trigger a review of the GST rate, providing an opportunity for a national debate about insurance taxes. Last night's Federal Budget abandoned billions in future hospital and schools funding to the states, with the measures set to save the Federal Government $80b by 2025. The cut-backs are almost certain to … [Read more...]
Total & Permanent Disability (TPD) – Protection when you are not able to work again
April 29, 2014 by ·
Being unable to ever work again due to total and permanent disability would have a serious emotional and financial impact on you and your family. Having adequate cover in place for such an event can help secure your financial future and give you peace of mind. Consider this... You have recently started work as a General Practitioner in a local doctor’s surgery after many years of study. You have … [Read more...]
Total and permanent disability (TPD) insurance
February 25, 2014 by ·
Being unable to ever work again due to total and permanent disability would have a serious emotional and financial impact on you and your family. Having adequate cover in place for such an event can help secure your financial future and give you peace of mind. Consider this... You have recently started work as a General Practitioner in a local doctor’s surgery after many years of study. You … [Read more...]
Are there alternatives to income protection?
February 14, 2014 by ·
Research tells us that 69% of Australians do not own income protection insurance*. This alarming statistic begs the question about what the alternatives are for those people who choose not to insure their income. The first factor to establish when looking at the issue of whether income protection may be worthwhile for your situation is to examine the potential loss that you may face if … [Read more...]
Have you thought about insurance for your kids?
October 29, 2013 by ·
Have you thought about insurance for your kids?The social changes that have occurred over the last 40 years and the economic conditions that we experience today have created a unique situation for 45 to 65 year olds. Caught between the twin pressures of ageing parents and dependent children, they can rightly claim to be the ‘sandwich generation’. They may be better known as baby boomers – that … [Read more...]
Why are insurance premiums rising
September 12, 2013 by ·
Why are premiums rising? It is an indisputable fact that insurance premiums accross Australia are rising. Fundamentally, rising premiums are being driven by a sharp rise in claims volumes, higher claims amounts, and a substantial increase in the costs associated with meeting those claims. Recent weather-related and other natural catastrophes in Australia and in other regions around the … [Read more...]