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Personal insurances: The risk probability/impact matrix

Insurance, in general, can sometimes be seen as a ‘grudge purchase’ as there can be a perception of little tangible value (until claim time). In this article, we explore the risk probability/impact matrix to highlight the value of personal insurances when it comes to managing certain lifetime risks.

2018 Budget: Unwrapping the ‘Christmas in May’ proposed measures

Treasurer Scott Morrison delivered the 2018-19 Federal Budget on 8 May 2018. We provide you with a summary of the main proposed measures that may be relevant to you and your personal finances.

Personal insurances: Completing a pre-assessment

When it comes to recommending which insurer (and their offering) may be appropriate for you and managing expectations around potential outcomes of a formal insurance application, often an important step in the process can be the completion of a pre-assessment. In this article, we explain what one is.

The benefits of workplace health & wellness programs

Whether you are a business owner, manager or employee, you may find this article interesting. We discuss the benefits of businesses implementing workplace health and wellness programs. Put simply, research indicates that, healthy workers = healthy organisations = healthy business performance and productivity.

Financial attitudes and behaviours: The power of perspective

Perspective can be a powerful tool when used appropriately. Have you ever wondered how you compare to the average Australian in terms of financial attitudes and behaviours? We look at several of the findings from ASIC’s latest Australian Financial Attitudes and Behaviour Tracker (Wave 5).

Protecting your loved ones: Child trauma benefit

Without an appropriate Plan B in place, an unexpected passing, sickness or injury can often have a serious financial impact on your household. Consequently, when considering personal insurances we often think about covering ourselves. In this article, we discuss the Child Trauma Benefit. 

Enlightening Warren Buffett quotes

Warren Buffett, known as the ‘Oracle of Omaha’, is arguably one of the most successful investors of all time. In this article, we take a look at some of his most famous quotes and apply the meaning behind them to certain areas of your personal finances, such as investing, risk management and philanthropy.

What is an investment (insurance) bond?

Depending on your personal circumstances, you may find that an investment bond forms a component of your overall investment portfolio. In this article, we take a look at what an investment bond is and some important considerations before investing in one.

Income Protection: Indemnity and agreed value

One important factor when considering the establishment of an Income Protection insurance policy is the benefit type. In this article, we discuss the difference between indemnity and agreed value.

Income Protection: Supplementary provisions

There are many benefits to holding Income Protection insurance. In this article, we discuss several supplementary provisions held within some Income Protection insurance policies that have a focus on enhanced coverage.

EOFY planning: Tax and superannuation strategies

The end of financial year is close. In this article, we look at end of financial year planning strategies that may be worth considering, when it comes to tax and superannuation.

Medicare & private health insurance

The ongoing debate about private health insurance appears to be a constant one among Australians, especially when premium increases each year come to the forefront. We look at several reasons to consider retaining or taking out private health insurance. 

Trauma: Exploring beyond the big four

When considering the potential for a future claim on our Trauma insurance, we often think about the big four traumatic medical events e.g. heart attack, stroke, cancer and coronary artery bypass. It is important to remember that contemporary trauma insurance policies now also provide greater protection with the provision of a much larger range of specified medical events.

TPD claim definitions explored

For many of us Total and Permanent Disablement cover forms a component of our overall personal insurance plan; in the event of a disabling sickness or injury it has been designed to help to take the financial stress off the table at a time when our world has been turned upside-down. In this article, we explore the types of claim definitions available and their respective differences.

Give your insurance a 5 point check

Insurance is one of those things many of us set-and-forget, but a quick review of your insurance policies at least once a year is a worthwhile exercise that can help save costs and ensure peace of mind. So where do you start?

Surviving a critical illness or trauma

With early diagnosis and advancements in medical treatment, the chance of surviving serious illnesses such as heart attack, stroke or cancer is much higher than in years gone by. However the process of recovery can be emotionally and financially draining. So how do we protect ourselves?

Get a head start - 5 things you can do now to plan for financial year end

Tax time can be a breeze for some and a nightmare for others. As we are just a few months away from the end of financial year, now is the perfect time to organise your financial affairs with our end of financial year planning tips!

Personal Insurance – what does it all mean?

Personal insurance plans include a range of different kinds of cover to protect you and your family’s lifestyle in case of an unexpected change to your health. Make sure you know what the terms mean for you. 

Top 10 Financial To-Dos

It’s nearly time to sign off from work and start the holidays. Give yourself a stress-free vacation knowing that your finances are taken care of by ticking off these financial ‘to-dos’. 

Don’t take a gamble: put a plan in place.

With so many decisions to make in life, we often forget to plan. But certain events are too important to gamble with - have you planned for the things that matter? 

Parents Returning to Work

There are many things to consider when returning to work after caring for young ones. There are both financial and non-financial considerations. This article explores the important things that need to be considered.

The Cost of Insurances – Stepped Vs. Level Premiums

In this article we explain that when taking out personal insurances you have the choice of how the premium cost is structured and how much you will pay for your insurance cover over the life time of your policy.

Are you prepared for a financial rainy day?

When the unexpected happens and unplanned financial expenses occur do you have the funds at call ready to cover them or are you someone who uses credit to bail yourself out?

Trauma Insurance & The Big 4

Trauma Insurance was first introduced in 1983. What’s the purpose and why is it needed?

5 Reasons Why You Need to Review Your Personal Insurances

It certainly isn’t recommended to make changes for change sake, but your Life insurance should not be established with a “set and forget” mentality. We take a look at 5 reasons why you may need to review your personal insurances.

Australia's Underinsurance Dilemma

Did you know 83% of Australians say they have insurance for their car yet only 31% insure their income? In this article we explore the relative misunderstanding of the importance of personal insurance and the risk underinsurance creates for Australians.

Tax Time Checklist

With the end of the financial year having just passed, it means it's now time to get ready to lodge your 2012/13 tax return! This article provides our top tips to help you prepare and get the most from your 2012/13 tax return.

EOFY Planning

If you feel like you’ve run out of time to get your affairs in order, the good news is there’s a few considerations which can help minimise your tax, and make the most of the money you earn.

Children's Trauma Insurance

Children’s Trauma insurance provides a lump sum payment for a parent whose child suffers a major health trauma.

Don't get scammed when throwing away old computers

These days an unprecedented amount of personal information is stored on computers. Canny scammers readily look for ways to grab this information for their personal advantage.

Income Protection

The biggest asset for most people under the age of say 55 is their ability to earn an income. It’s easy to take this income-earning ability for granted especially when we are feeling reasonably fit and well.

Why bother planning money?

If you do have future financial goals, such as, retirement, buying a house, paying off your mortgage or buying a car or boat, then planning can certainly help achieve such goals in a timely and effective way.

New Year Financial Resolutions

As there are so many areas of finance, it can be overwhelming to review every area of your finances. Here is a short list of suggestions that might help you choose some areas that you would like to review or make a change in.

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