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A common misconception about income protection insurance is that it’s only for high-earners, but this isn’t the case. In reality, no one can afford to be without this safety net, regardless of the amount of income you earn.   The only things certain in life are death and taxes—or so the famous saying goes. Thankfully, income protection insurance can add a positive guarantee to that list by safeguarding your quality of life, should an unexpected setback strike.  You can’t predict the future, but you can plan for it Nobody wants to consider an accident or illness impacting their health suddenly, but it’s a very real possibility. As well as changing your lifestyle, an unexpected illness could mean you need to take extended leave from work. It’s estimated that over 400,000 Australians suffer a heart attack sometime in their lives. i Then there’s over 800,000 people of working age with disability, who were not working in 2015 alone. ii  It’s tempting to think t...

Even if you exercise a few times a week, sleep well, and eat healthily, it doesn’t mean you don’t need a health check. Despite our best intentions, things don’t always go to plan – like an unexpected health issue or emergency.   Whether you’re single or have a family, if you want to live a long and healthy life, the important thing to take care of is you. If something were to happen, it should be dealt with quickly and properly to avoid unnecessary extended time off which could affect your personal and professional life, and overall quality of life.  If you’re in your 30s or 40s, some health checks to consider include blood pressure, cholesterol, testicle checks (men), breast self-checks (women), Type 2 Diabetes Risk Assessment, mammogram (women) and Cardiovascular Risk Assessment.  If you’re in your 50s or 60s, you’ll need to do the same checks as in your 40s, plus a bowel cancer screening, prostate cancer screening (men), Osteoporosis Risk Assessment, as we...

Odds are it’s been a while since you looked over your health insurance cover. It’s understandable - there are over 40,000 products in the market and premiums regularly go up. It can seem confusing and expensive, but there are still plenty of reasons to review it more regularly. First, reviewing your cover ensures you’re paying for the right things. Like your finances, your health changes as life changes and your health insurance should reflect it. If you review your health cover every year, you’ll have a greater understanding of its benefits, as well as making sure it’s keeping up with your changing needs. In addition to ensuring you’ve got the right cover for your situation, reviewing your cover may also save you money by making sure you’re only paying for what’s important to you. And it’s a valuable exercise to review your Health and suite of Life Insurance Products all together. If you do decide to switch, find an option that gives you confidence that you’re covered ...