Under 25 or under $6,000 in super? Default life and TPD cover is switched off unless you opt in — and waiting can cost you access to cover.

When wealth is locked in a home, farm or business, life insurance creates the cash to divide an estate fairly — without a forced sale.

Super isn't automatically tax-free for your children. How the super death benefit tax hits adult children — and the levers that reduce it.

Ten end-of-financial-year deductions Australians most often miss — led by personally held income protection premiums, which may be tax-deductible depending on individual circumstances.

A short Q&A guide to the questions worth asking a mortgage broker before settling — the loan's true cost, features, rate-rise stress-testing, and the one protection question a broker isn't licensed to answer.

A short insurance checklist for the weeks after property settlement — what cover was bundled into the loan, whether default super is enough for the new mortgage, and how to own and pay for cover.

An income protection policy can fall out of step with a policyholder's circumstances long before anything looks wrong with it. Here are five signs it may be out of date — plus the loyalty tax that often makes a review worth it — and why 'out of date' rarely means 'cancel'.

A NSW fitter and turner's AIA premium had nearly doubled in four years to $9,451. A restructure to MetLife cut it to $4,483 — $4,968 a year returned to super, with cover maintained.

Six tax deductions worth raising with an accountant — from the personally held income protection premium to salary sacrifice versus voluntary super contributions — and the structuring an accountant can't advise on.

Income protection premiums held personally may be tax-deductible — but not inside super, and not the capital-benefit portion. Here's what you can and can't claim, and why it's the most-missed feature.