Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 A coronary artery calcium (CAC) scan requires almost no physical preparation — no fasting, no injections, and no recovery period. The scan takes less than 15 minutes and most patients drive themselves home immediately afterwards (Heart Foundation Australia, 2019; Hamilton-Craig et al., 2017). But there is one step that most Australian GPs do not mention when recommending this test: revi

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 AIA Australia is the nation's second-largest life insurer, holding 15.6% of individual advised death cover annual premium and 26.1% of group superannuation death cover annual premium as at December 2025 (Australian Prudential Regulation Authority, 2026). AIA is owned by AIA Group Limited — the largest publicly traded life insurance group in the Asia-Pacific region, listed on the Hong Ko

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 Case Study Summary A 59-year-old NSW project manager was paying $21,282 per year for AIA life ($960,000) and TPD any occupation ($960,000) insurance — funded entirely through an industry superannuation fund. The Year 4 to Year 5 premium alone had increased by $7,365, a 52.9% single-year jump. A professional review across eight insurers found AIA’s own new-business rates — the same insur