By Christopher Hall , Financial Adviser, AFSL 526688, Arrow Equities  |  Published March 2026 Five main levers exist for reducing Australian insurance premiums without cancelling cover. In order of typical impact: extending the waiting period on income protection; reducing benefit duration or adjusting TPD definition; reviewing new business rates; adjusting payment structure; and right-sizing sum insured to current circumstances. Most families implement two or three levers in

By Christopher Hall , Financial Adviser, AFSL 526688, Arrow Equities  |  Published March 2026 If the adviser who arranged an insurance policy has left the industry, the policy remains in force — but no one is actively managing it. Commission continues to be paid, typically to the departing adviser's former licensee, for a service that is no longer being delivered. Structural problems, coverage gaps, and loyalty tax accumulate undetected. The policy is orphaned in everything b

By Christopher Hall , Financial Adviser, AFSL 526688, Arrow Equities  |  Published March 2026 Life insurance and TPD are generally more tax-efficient paid through superannuation. Income protection is generally more tax-efficient paid personally — but this rule is narrowing as policy terms converge. The right structure for any individual depends on their cover types, tax position, and the specific terms of their contracts. It cannot be determined without reviewing the individu

By Christopher Hall , Financial Adviser, AFSL 526688, Arrow Equities  |  Published March 2026   Both over-disclosure and under-disclosure create problems in Australian life insurance applications. Under-disclosure risks claim denial. Over-disclosure can generate exclusions and loadings that do not reflect an actual medical risk — and may take significant effort to remove. The correct approach is to answer every question asked accurately and completely, and not to volunteer in

By Christopher Hall , Financial Adviser, AFSL 526688, Arrow Equities  |  Published March 2026  |  Educational content only — not financial advice Level premiums were designed to cost more upfront and save money over time. For most Australian policyholders who took out level policies between 2015 and 2020, that crossover has not materialised — and in many cases, current modelling suggests it will not arrive until a policyholder's mid-to-late 60s, if at all. Arrow Equities has

By Christopher Hall , Financial Adviser, AFSL 526688, Arrow Equities  |  Published March 2026  |  Educational content only — not financial advice Paying an annual life insurance premium does not lock a policyholder in for twelve months. Most major Australian insurers provide a pro-rata refund of the unused premium if a policy is cancelled before the renewal date. This means families can pay their renewal, take time to conduct a proper review, and switch to more appropriate c