A full package of life, TPD, income protection and trauma cover for a 40-year-old non-smoking NSW electrician was quoted at $175.25/month on 27 July 2026 — here is the breakdown by cover type and insurer.

Income protection replaces up to 70% of earnings when illness or injury stops a worker — here's how it works, what it costs, the tax deduction most Australians miss, and inside super vs personal cover.

Life insurance in superannuation in Australia means holding life, TPD and (sometimes) income protection cover inside a super fund, with premiums paid from the balance. This hub explains how cover inside super works, how it should be structured, what happens to it through retirement, and why a changing set of super tax rules makes it worth checking rather than leaving on autopilot.

From 1 July 2027 the 50% CGT discount is to be replaced by an inflation-based discount with a 30% minimum tax, and negative gearing is to be limited to new builds — a planning point for property investors, and a reminder to protect the wealth held in property against a forced early sale.

Division 296 — the $3 million super tax — is now law and applies from 1 July 2026. What it does, why unrealised gains are no longer taxed, and the life, TPD and income protection cover inside super a restructure shouldn't strand.

Most Australian retirees stay in the family home for practical and emotional reasons, reinforced by tax and pension settings that reward staying put. This spoke looks at what staying costs the individual household — the home as its largest, least-liquid asset and eventual aged-care funder — and the real risk of a sale forced early rather than chosen.

Australia has about 13 million spare bedrooms across roughly 7.4 million households, yet still has a housing shortage. This spoke explains housing under-utilisation as an allocation problem — and why the same tax settings that concentrate investment ownership also lock up family-sized stock, leaving wealth in an illiquid asset worth protecting.

Mortgage protection insurance in Australia is the life, TPD and income protection cover that protects the wealth and loan commitments tied up in property. As property and super tax settings shift in 2026–27, this hub explains why a small change can move prices — and why protecting the wealth held in property matters whatever the market does.

New Zealand wound back investor tax breaks in 2021 — bright-line to 10 years, interest deductibility gone — then reversed both in 2024. One of the developed world's larger corrections followed. The planning lesson for Australians: protect the wealth held in property.

Canada's house prices fell ~14% from their 2022 peak as a record migration surge reversed and rates rose — not mainly the foreign-buyer ban. The planning lesson for Australians: protect the wealth held in property.