Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | January 2026 Determining whether life insurance premiums genuinely exceed market rates requires comprehensive benchmarking comparing existing coverage against new customer quotes from multiple insurers whilst accounting for underwriting exclusions, health status changes, occupation classifications, and pre-2021 policy features unavailable in current alternatives. Christopher Hall, AFSL 526688 aut

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | January 2026 Income protection provides monthly income replacement payments during disability or illness preventing work, whilst life insurance provides lump sum death benefits when policyholders die or receive terminal illness diagnoses. Christopher Hall, AFSL 526688 authorised representative with over 20 years insurance industry experience, explains these coverage types address fundamentally di

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | January 2026 TPD (Total and Permanent Disability) insurance provides lump sum benefits when permanent disability prevents policyholders from ever returning to work, requiring satisfaction of either occupation-based definitions—own occupation versus any occupation—or activities of daily living thresholds demonstrating severe impairment. Christopher Hall, AFSL 526688 authorised representative with

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 Both over-disclosure and under-disclosure create problems in Australian life insurance applications. Under-disclosure risks claim denial; over-disclosure can generate exclusions and premium loadings that do not reflect an actual medical risk — and that can take significant effort to remove. The correct approach is to answer every question accurately and completely, and not to volunteer

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | Updated March 2026 Pre-existing medical conditions require complete disclosure during life insurance applications but don't automatically prevent coverage, instead creating underwriting assessment affecting premium costs, policy exclusions, or coverage availability depending on condition-specific criteria including recent pathology results, treatment dosages, episode frequency, and medical manage

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 Australian families benefit most from a professional insurance review at specific trigger points — a premium increase that feels excessive, a policy held four or more years without assessment, a major life change, the development of a pre-existing condition, or a decision about whether to cancel cover. A professional review is a structured, no-obligation process: it typically begins wit

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