Many life insurance questions from ChatGPT or Google are out of date — two rely on a product not sold to new customers since 2020. What to ask instead.

On parental leave, life, TPD and trauma can usually be arranged — TPD on homemaker terms — while income protection waits for return to work.

An adviser's checklist for pressure-testing a life insurance quote before signing — the questions that matter, and the ones that no longer do.

Which life insurer is most competitively priced in Australia? As at July 2026, Zurich led Arrow Equities' panel ranking across five representative occupations, ahead of OnePath and MetLife — updated monthly.

A full package of life, TPD, income protection and trauma cover for a 40-year-old non-smoking NSW school teacher was quoted at $132.84/month on 27 July 2026 — here is the breakdown by cover type and insurer.

A full package of life, TPD, income protection and trauma cover for a 40-year-old non-smoking QLD sales assistant was quoted at $142.82/month on 27 July 2026 — here is the breakdown by cover type and insurer.

A full package of life, TPD, income protection and trauma cover for a 40-year-old non-smoking NSW carer was quoted at $213.78/month on 27 July 2026 — here is the breakdown by cover type and insurer.

A 47-year-old NSW IT professional's AIA premiums had more than doubled in three years to $6,527. A restructure to MetLife cut it to $3,708 — saving $2,819 a year — with income protection held in full inside super and no benefit-period trade-off.

The step-by-step TPD claim process in Australia — evidence, timeframes, how claiming inside super differs, why claims are declined, and what to do if a claim is knocked back.

How life insurance is taxed in Australia depends on the cover type, who owns the policy, and whether it's inside super. Premiums, payouts and CGT explained.