Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | April 2026 Last updated: April 2026 Trauma insurance pays a lump sum on diagnosis of a specified serious medical event — cancer, heart attack, stroke, and others — regardless of whether the person can still work. In more than 500 life insurance policy reviews, the same pattern appears consistently: almost no one holds this cover unless they fall into one of three groups — those who have worked wi

Written by Christopher Hall , AdvDipFP | Authorised Representative, AFSL 526688 | April 2026 Last updated: April 2026 Life insurance applications in Australia have become significantly more complex, more time-consuming, and more likely to return an outcome that differs from what the applicant expected. This is not a random shift. The ABS 2022 National Health Survey documents the population-level health changes that explain it: 65.8% of Australian adults are overweight or obe

Written by Christopher Hall , AdvDipFP | Authorised Representative, AFSL 526688 | April 2026 Last updated: April 2026 The conditions most likely to end a working career — and trigger a TPD insurance claim — are musculoskeletal disease, mental and behavioural conditions, and diseases of the nervous system. Together they account for 53% of TPD claims paid in Australia. According to the ABS 2022 National Health Survey, these same three categories are already present in approxim

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | April 2026 The renewal notice arrived in early February. The number was stark: a 40% increase across both his life insurance and TPD policies. For James — a 47-year-old qualified engineer with a wife, two teenage children, and $2.6 million in life cover — that translated to roughly $2,248 more per year, on top of an already substantial combined premium approaching $7,885. (James is a pseudonym. C