Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | April 2026 The renewal notice arrived in early February. The number was stark: a 40% increase across both his life insurance and TPD policies. For James — a 47-year-old qualified engineer with a wife, two teenage children, and $2.6 million in life cover — that translated to roughly $2,248 more per year, on top of an already substantial combined premium approaching $7,885. (James is a pseudonym. C

One of the more appealing parts of this rewards program is the idea that you can earn points through organised events—everything from a free 5km park run to a full IRONMAN. On paper, it sounds like a great system. Complete an event, have a publicly available finish time, and you’re rewarded. Simple. Parkrun is the easiest entry point. It’s free, accessible, and ticks the box. But once you start training for larger events, the logic begins to break down. If you’re preparing fo

In October 2025, one of the world's largest reinsurers announced it would stop accepting new life insurance business in Australia. The decision by Swiss Re Life & Health Australia to pause new business activities was not framed as a retreat — it was framed as a statement about product sustainability. The company said it would use the pause to "drive sustainable product design, particularly in Total and Permanent Disability (TPD) insurance, where there are significant sustaina