What May not be covered under your On Line Income Protection Insurance?

Typically, many on line income protection policies include exclusions that spell out when the policy will not pay a benefit. Many of these exclusions, however, are not found in other policies. (more…)

One in 17 Will Lose Their Homes Once Diagnosed with Cancer

We all know that it would be good idea to be debt free if diagnosed with cancer, but for many it’s still, ‘Yeah, yeah, So What?’ (more…)

Heart Attack & Trauma Insurance

Although most trauma policies include around 40 medical events, heart attack and cancer account for around 70% of all insurance claims for trauma insurance, so it is imperative that your trauma policy has the best definitions for these 2 medical events. (more…)

Buying Life Insurance: Accidental Death Cover

If you have ever been tempted to purchase life insurance that only covers death from accident you should be aware of the following: (more…)

Buying Business Expenses Insurance

If you are self-employed with regular business expenses that must be paid whether you work or not, such as staff salaries, rent, repayment of a business loan, electricity and other utilities then what do you do if you become disabled?  “But I have income protection insurance”, I hear you cry. (more…)

Trauma Insurance: BRACA1 and BRACA2

According to the Breast Cancer Network Australia ‘No one inherits ‘breast cancer’, although a small number inherit a genetic risk or ‘predisposition’ to the disease.’ (more…)

Trauma Insurance: Gender Bias with Listed Medical Events

Trauma Policies

Although most trauma policies include around 40 medical events, heart attack and cancer account for around 70% of all insurance claims for trauma insurance, and for women the majority of cancer claims are for breast cancer. It is imperative, therefore, that your trauma policy has the best definitions for these 2 medical events. (more…)

The Importance of Policy Definitions: Trauma Insurance

Understanding insurance policy definitions is always important and never more so than in comprehending the meaning of the listed events in trauma insurance policies.  As heart attack and cancer account for 70% of trauma insurance claims it is vital that at least these 2 definitions are the best available. (more…)

Buying Income Protection Insurance Online

We’ve all seen the television ads promoting the purchase of income protection on line.  It all looks a pretty easy and painless process, so I then ask myself is “What the heck am I doing wrong as an adviser?” (more…)

Close Relatives with Breast Cancer and Trauma Insurance

If you are a woman whose mother or a sister has been diagnosed with breast cancer, you may not be able to obtain trauma insurance without modification to the policy. The relative’s age at time of diagnosis is a factor. This might mean policy exclusions for any form of cancer, breast cancer or just carcinoma in situ of the breast. (more…)