You probably know life insurance can help your family if you pass away – but did you know that the right cover can also help if you become disabled or suffer an accident or serious illness? Here’s your no-nonsense guide to the 4 main types...
Your cover is designed to reduce financial hardship for you and your loved ones, so it’s probably not something you should consider removing from the budget when cutting costs. However, we know every dollar is important. So we’ve compiled a range of options to help you...
The only constant in life is change, which is why life insurance is designed to be flexible. Here are five ways to review your cover to make sure it always suits your needs, plus the questions you should be asking yourself every 12 to 18...
It is a common misconception that insurance covers absolutely everything. Landlords may think they will be reimbursed by an insurer for any kind of rental loss or damage. But, this is not the case. Why? Because the overload in risk would make insurance unaffordable. Insurers need to strike a balance...
Protecting income from unexpected illness and injury is particularly important to anyone with a mortgage to service, small business owners and self-employed people with no sick leave available. With income protection insurance, you can be paid some 70 per cent of your income for a specified...
When getting ready to buy property, there are many things to keep track of as settlement approaches. An important consideration is what you will need in terms of insurance – admittedly not the most exciting part of buying a new home, but one which can...
While we all hope for good health, the reality is that some of us may struggle at times with sickness or injury. And that may affect your family’s financial wellbeing. Different types of life insurance or personal insurance can provide an income when you’re unable earn,...
When your deposit is less than 20% of the value of the property you're buying, a lender is going to charge you a hefty lender's mortgage insurance (LMI) premium to reduce its risks. LMI is one of those extra costs that often catches home buyers by...
Life is full of twists and turns, and it is important to be prepared for any possibility. Having adequate life insurance is an important safety net to have in place should something go wrong.Yet the gap between what we need and what we have, has...
Give me the main points The most important reason to consider taking out life insurance is to protect your family if you die or become unable to work. There’s a good case for anyone with dependants or people who plan to have dependants to take out life...
He is also an accomplished presenter and educator
Co-authoring the popular investment book, Property vs Shares.