Risk Insurance

Exchange Rates are Falling. Is that good or bad?

You may have seen recently that the Aussie Dollar has fallen when measured against the US dollar. At first glance, most people think this is a bad thing. Happily, the reality is not quite so alarming.

Now That’s Good Estate Planning!

A well-known man in England recently gained an inheritance. It is a pretty substantial one, too. According to Forbes Magazine, King Charles inherited approximately $US500 Million in assets from his Mum and is now responsible for managing assets worth $US42 Billion. That’s good estate planning!

What Is Trauma Insurance?

Trauma insurance is sometimes called the ‘fourth form’ of life insurance – the other three being income protection, total and permanent disability and death cover.

Vale Olivia and Judith

Music lovers have been really saddened lately by the passing of two Australian icons, Olivia Newton John and Judith Durham. A third Australian music legend, John Farnham, recently underwent surgery for cancer. It makes us all stop and think.

Mario’s Story

This is another happy story, this time of Mario and his TPD claim. It is the kind of story we love as financial planners.

Annabella’s Story

This is the happy story of Annabella and her TPD claim. It is the kind of story we love as financial planners.

The Need for Insurance

Our heart has been breaking in recent weeks over the massive floods affecting so much of Queensland and NSW. If you or someone you know has been affected, please know our thoughts are very much with you at this time.

How to Find Yourself Singing in the Rain

Last week we discussed how the Governor of the Reserve Bank Phillip Lowe recently recommended that home borrowers ensure that they have a ‘buffer’ against the time when interest rates inevitably rise. Interest rate buffers are not the only type of buffer in good financial planning. Buffers are used in many areas, but the need for buffers always comes from the same source: understanding that the way things are now is not likely to be the way things are in the future.

Some Good News about Covid-19 and Life Insurance

If you hold a life insurance policy in Australia, the good news is that your policy will almost certainly not exclude health events that are caused by Covid-19. This is especially the case for policies that pre-date 2020, but is also almost always the case for policies that you took out before you became or become ill with Covid.

The National Disability Insurance Scheme

The National Disability Insurance Scheme, or NDIS is an insurance scheme that funds supports to people with a permanent disability. The idea is that those supports work to reduce or remove things that disable a person. It is currently helping almost 450,000 people, so it affects a lot of us either directly or indirectly.

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