Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | January 2026 Families benefit from professional insurance review during specific triggering circumstances including premium increases perceived as excessive, policy cancellation considerations, policies held 4+ years without recent assessment, major life changes affecting coverage needs, pre-existing condition development, or comprehensive coverage adequacy evaluation requiring specialized expert

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | January 2026 Pre-2021 insurance policies commonly contain discontinued features including agreed value income protection eliminated from new policies after 1 April 2020, own occupation TPD definitions now substantially restricted, unrestricted mental health coverage replaced by benefit period limitations or complete exclusions, and simplified claiming criteria requiring substantially less testing

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 updated February 2026 Professional guidance on reviewing, comparing and optimising your life insurance, income protection and TPD policies. Received a premium increase notice? Held your policy for 5+ years? Many Australian families pay significantly more for insurance than necessary whilst having coverage gaps they don't know about. This comprehensive guide from Arrow Equities (AFSL 526688) helps y