An existing policy can often be restructured so premiums are paid from superannuation rather than out of pocket — but not always, and the administration itself is the moment to fix everything else that has drifted.

Quoted on 10 September 2026 with the same insurer and the same cover, a carer's TPD cost exactly twice a teacher's and income protection 2.42 times — while life and trauma cover priced identically to the cent. What occupation actually does to a premium, measured across five occupations and three ages on a single day.

Employers and payroll platforms have a sixth referral option that sits alongside mortgage brokers, accountants and SMSF specialists — a no-cost insurance review offered as an onboarding perk, a rewards-programme inclusion, or a benefits-app feature. What the review actually finds, why the underinsurance gap is the same regardless of channel, and how the referral relationship works.

Public and private schools send Year 6 students to Canberra on almost identical trips. Christopher Hall explains where the real differences lie — and where they don't.

A mortgage broker has six ways to handle a client's life insurance, and the most common one is to do nothing at all. What Standards 3 and 12 of the adviser Code of Ethics say about reciprocal referral arrangements, why applications stall before an insurer ever decides, and what a broker should look for in an adviser.

Real Insurance publishes at least three separate life insurance PDSs, and the same defined term does not mean the same thing across them. What each document states, with page references, and how the same clauses read in four adviser-distributed products.

Many life insurance questions from ChatGPT or Google are out of date — two rely on a product not sold to new customers since 2020.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 September 2026, Zurich led Arrow Equities' panel ranking across all five representative occupations, with MetLife and OnePath tied second.