For many Australian households, most net worth sits in illiquid property. The risk is a forced sale if an earner dies or is disabled — life, TPD and income cover answers it.

New residential property borrowing inside an SMSF is being banned. What the limited recourse borrowing arrangement (LRBA) change means for new and existing funds — timeline, who is grandfathered, and the insurance question for geared SMSF property.

Securing new cover after a cancer diagnosis is difficult — but the cover already in force is the priority, and the people around the diagnosed person are usually still insurable.

If an SMSF holds leveraged property and a member dies, the fund can be forced to sell at the worst time. Life and TPD cover inside the fund funds the buyout instead.

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 Mortgage brokers who consistently grow their loan books share a common discipline: systematic, proactive work on the existing client base before searching for new leads. Industry data shows that 44% of the typical broker’s pipeline comes from repeat clients and 28% from referrals — together, 72% of new business flows from clients who already know the broker (Mortgage and Finance Associa

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 The channel through which life insurance is purchased affects whether a claim is admitted. APRA's 2026 Life Insurance Claims and Disputes Statistics — the authoritative Australian regulator's annual measure of claims handling across the retail life insurance market — reports admitted claim rates consistently higher for adviser-placed policies than for direct or online policies across ev

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 · Updated July 2026 Encompass Protection is not a standalone insurer — it is a retail life insurance product, launched in April 2022, with three companies behind the one name. The policy is issued and the claims are paid by Acenda (the rebranded MLC Life Insurance, whose legal entity is Nippon Life Insurance Australia and New Zealand Limited, AFSL 230694); the everyday administration an

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 · Updated July 2026 ClearView is an Australian-owned, ASX-listed specialist life insurer (ASX: CVW) that distributes advised life-risk products — its ClearChoice range — through financial advisers. It is a boutique-scale insurer, holding around 3.9% of the retail advised life market and A$412.9 million of in-force premium at 30 June 2025 (ClearView Wealth, 2025). In February 2026, Clear

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 · Updated July 2026 PPS Mutual is a niche, profession-only life-risk specialist — Australia's only retail life insurance mutual, open exclusively to a defined group of highly qualified professionals and structured so that members, not external shareholders, share in the profits. Its policies are issued by NobleOak Life Limited, an APRA-regulated insurer with roots dating to 1877. PPS re

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 · Updated July 2026 OnePath is one of Australia's longest-running life insurance names — a brand operated by Zurich Australia Limited (ABN 92 000 010 195, AFSL 232510), trading as OnePath Life, with a heritage tracing back to 1878. As at December 2025, Zurich — the entity that issues OnePath's life cover — held 23.5% of individual advised death cover premium, the second-largest share in