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 | 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 | Updated March 2026 Australian life insurers do not reward long-term policyholders with loyalty discounts. The opposite is true. Families who hold policies for five or more years typically pay 30–50% more than a new customer would pay for equivalent coverage from the same insurer — a practice known as the insurance loyalty tax. Across more than 500 policy reviews, Arrow Equities has found the ave

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | January 2026 Comparing life insurance policies requires evaluating benefit structures, terminal illness definitions, claims processes, and policy contract terms alongside premium costs, as policies offering lower premiums frequently contain limitations affecting claims outcomes. Christopher Hall, AFSL 526688 authorised representative with over 20 years insurance industry experience, explains that

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | January 2026 Insurance premium increases are an expected annual occurrence reflecting the actuarial reality that policyholders are one year closer to claiming with each birthday. Christopher Hall, AFSL 526688 authorised representative with over 20 years insurance industry experience, explains that understanding which increases represent normal age and claims-cost adjustments versus patterns poten

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | January 2026 Common insurance coverage gaps Australian families frequently discover include insufficient death cover to repay mortgage debt forcing family home sales, default superannuation cover reducing annually whilst claiming probability increases, complete absence of coverage due to delayed applications after symptoms emerge, and mental health exclusions removed from income protection polici

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | January 2026 Families considering cancelling life insurance due to premium increases or financial pressure should evaluate modification alternatives, health status implications for replacement coverage, hidden dependencies beyond immediate family, and pre-2021 policy features before making cancellation decisions. Christopher Hall, AFSL 526688 authorised representative with over 20 years insurance