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Why your life insurance won't pay out

Why your life insurance won’t pay out: 6 important tips

Key Points Life insurance claims are paid out in the first instance 90% of the time. However, there are some reasons for life insurance not paying out. To avoid a rejected life insurance claim, be honest and upfront on y...

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Are life insurance payouts taxed?

Key Points Life insurance payouts usually aren’t taxed if they go to financial dependants. Life insurance payouts that go to non-financial dependants can face a tax of up to 35%. Life cover premiums are sometimes tax d...

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Does life insurance cover suicide?

Does life insurance cover suicide? The short answer is yes, though not straight away, and not by all life insurance policies. It’s important to carefully read the policy disclosure statement (PDS) before purchasing lif...

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Does life insurance pay if you die from cancer?

Key Points Life insurance will pay if you die from cancer if: your policy covers natural causes of death, it is a life cover plan (not an Accidental Death Policy), and you fully disclosed any cancer-related health inform...

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Medical underwriting for life insurance

Medical Underwriting & Life Insurance

Medical underwriting is part of life insurance, but what exactly is it? This guide will answer your questions about life insurance medical underwriting and explain how it affects you. Key Points Medical underwriting is a...

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Financial underwriting in life insurance

Financial Underwriting in Life Insurance

Financial underwriting is part of the life insurance process, and it’s nothing to be concerned about. In fact, it’s in place to help you and your insurer. This guide will explain what financial underwriting in life i...

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Life Insurance Through an SMSF: Understanding Your Options

If you have a self-managed super fund (SMSF), you’re not required to purchase life insurance through your fund, but it may be possible. In fact, the law requires you to consider the life insurance needs of your mem...

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A Married Couple’s Guide

If you’re just about to get married or you’re committed to a happy marriage ‘til death do you part, thinking about death is probably the last thing you want to do. Nevertheless, securing the future of your loved on...

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Life Insurance Trends in Australia

Family is the most important thing in life. Making sure your family is protected in the event of your injury or death is paramount. If you haven’t already purchased life insurance, we suggest you do so. For many pe...

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Why Life Insurance?

What life insurance can do for you Life insurance is no one’s favourite purchase. You may question the importance of purchasing life insurance – is it totally necessary? Why would you pay for something you, p...

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Benefits of Having Life Insurance

Protect your family’s financial future It’s nice to have peace of mind your family will be covered for: Funeral costs Outstanding debts Income loss Education fees Ongoing daily expenses like groceries, transp...

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How Much Does Life Insurance Cost?

Life insurance is an important investment in protecting your financial security in the future. If you pass away, you do not want your family members to be left without the funds they need to pay housing costs, educationa...

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Life Insurance for Diabetics: 8 Frequently Asked Questions

Diabetes is a condition that can be managed, but not generally cured. If you are diagnosed with Type I or Type II diabetes, this condition can affect your ability to obtain life insurance because insurers are concerned a...

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Top reasons why life insurance claims are denied in Australia

What Happens if I Don’t Have Life Insurance?

Life insurance doesn’t just provide for your dependants in the event of your death. It can protect your income if you are temporarily or permanently incapacitated due to illness or injury, and soften the blow of ma...

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Life Insurance: Luxury or Necessity?

Key Points If there is anyone in your life who depends on you financially, or any outstanding debts, you might want to consider life insurance. If you have accessible savings and no debt, then it may reduce the level of ...

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Life Insurance and Charitable Donations

Australians are some of the most generous people on earth. Known for their spirit of community and beliefs in equity, Australians give their time and money toward efforts to better their communities, country, and the wor...

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Life Insurance for Smokers

As a smoker, you may wonder if your life insurance premium will be more expensive than that of a non-smoker. You may also wonder whether there is any way around paying less for your premium, despite your smoking status. ...

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