Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | March 2026 Case Study Summary A 45-year-old NSW chef — with $1,831,000 life cover, $1,220,000 TPD, $122,000 trauma and $9,155 per month income protection through ClearView — was paying $12,951 per year in total insurance premiums, of which $9,720 was coming directly from his personal income. Following a complimentary review by Christopher Hall at Arrow Equities, the existing ClearView policies we

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | March 2026 The short answer: Almost every large life insurance premium increase in Australia has an actuarial or regulatory basis — not a discretionary pricing decision by the insurer. In more than 500 policy reviews conducted by Arrow Equities, genuinely opportunistic pricing is rare. The more common problem is that insurers send a number with no explanation, policyholders fill that silence wit

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | March 2026 the When a life insurance renewal notice arrives, Australian policyholders have five decisions to make — in a specific order. Based on Christopher Hall's review of more than 500 Australian policies at Arrow Equities (AFSL 526688), the most common mistake is acting before that sequence is understood. In Christopher's experience, increases of around 17% are broadly accepted without actio