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

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 | Updated June 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, AdvDipFP, Authorised Representative, AFSL 526688, explains these coverage types address fundamentally different risk scenarios—income pro

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 · Updated August 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,

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 · Updated July 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

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 | February 2026 · Updated July 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 5

The Superannuation Guarantee (SG) is the compulsory super employers must pay — 12% from 1 July 2025, moving to payday super from 1 July 2026. The current SG rate, who is eligible, the caps and thresholds, and why it matters for the insurance held inside super.