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Wills: Ready, Willing and Able
Planning for the future is something that many people put off ? particularly where writing a will is concerned. This is because, regardless of how old we get, no one likes to think of their demise. As such, we move through life often unconcerned for the long-term implications our short-term decisions may have on our future, or that of our family.
Business: Avoiding Loss with Proper Risk Management Strategies
Financial loss is something that no business wants to suffer, and many small business owners try to avoid downtime, expenses and accidents. But will insurance provide the total solution ? or is there more that?s needed to ensure business continuity?
Disability Insurance vs. Health Insurance
When faced with the option of whether to purchase disability insurance, many consumers say no without fully understanding the consequences of their decision.
Life Insurance: How much is enough?
When considering life insurance, you?re planning and preparing for an event most of us would rather not think about. But life insurance represents a critical step in managing your personal finances and ensuring your family?s well-being.
Women are the underdogs when it comes to insurance
Research released by the Investment and Financial Services Association in late September highlighted the fact that Australian women with dependent children had significantly less life insurance than their male counterparts.
Health Insurance Secrets
There are a number of very important things that most people either don't know or just simply don't consider when buying or reviewing their health insurance plans.
Insuring against loss of income
An important part of stress-testing yourself involves imagining what would happen if your source of income were cut off. If you've done that and the answer scares you, there are various forms of insurance you can take out.
Bird Flu: What your insurance company hasn't told you!
Given that Public health officials and organisations around the world remain on high alert because of increasing concerns about the prospect of an influenza pandemic, which many experts believe to be inevitable, it's only natural that we've been flooded with questions from subscribers wanting to know whether their life, trauma, income protection, health and travel insurance policies will provide adequate protection in this event
Loss of income insurance: Case Study
Rebecca is a single, self-employed graphic designer who works from home. Aged in her mid-30s, she has monthly commitments of a mortgage and car payments and the usual living expenses.
Travel insurance
Travel insurance: Going overseas? Traveling Australia? You'll need travel insurance - but remember to check the fine print.
Insurance: Why worry?
If we want our plans to succeed we need to understand the factors that might hinder that success, risks, and, one way or another, make sure they don't get in our way.
Income protection insurance
It's trite but true to say that for most people, their most valuable asset is their ability to earn an income. But how relevant is income insurance to most Australians?
To insure ... or not to insure
A question oft posed by many a business or household is whether insurance is really worth the expense. After all, the "It'll never happen to me" syndrome (unless we're talking about death) always seems to strike at the hip pocket.
Top ten insurance questions
We get many, interesting questions from our subscribers each month about various aspects of insurance ... so we've compiled a top 10 list of insurance questions and answers that embody a broad range of situations - and we're sure you'll find them of value!
Insurance disputes
Just because your insurance company has rejected your claim ... doesn't necessarily mean your case is closed. If you think that you've been unfairly treated, here are some ways to get the insurer's decision overturned.
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| Knowledge Base |
Subrogation: An insurance carrier may reserve the "right of subrogation" in the event of a loss. This means that the company may choose to take action to recover the amount of a claim paid to a covered insured if the loss was caused by a third party.
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