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 expertise. Christopher Hall, AFSL 526688 authorised representative with over 20 years experience rev

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 and nuanced reporting than current contract provisions. Christopher Hall, AFSL 526688 authori

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 you understand insurance premium reviews, why they matter, and how professional assessment can identify