Direct Insurers more likely to deny claim

The Australian Securities & Investments Commission (ASIC) has recently released Report 498 which highlights the benefits of using an adviser for personal retail insurance (Term Life, TPD, Trauma and Income Protection) as opposed to other channels like direct insurance and insurance held via group superannuation accounts.  The report shows that you are 71% more likely

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Case Study

Trauma & Income Protection

I was recently referred a client who has a range of personal insurance policies including Term Life, Total & Permanent Disability (TPD), Trauma and Income Protection. The policies were set up via another adviser over 5 years ago and the client’s main concern was that he had not heard from the adviser since the initial

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Business Protection and Risk Strategies

Every medical practice with two or more owners needs to have the right strategies in place if one of the owners leaves due to premature death, total and permanent disability or a traumatic illness. As the practice provides its owners with regular income, capital, security, superannuation and retirement flexibility, protecting the exiting owner’s needs, in

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