Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | Updated March 2026 In early 2026, Terry — a computer technician based in New South Wales — received an annual renewal notice from AIA showing his life and TPD insurance premiums increasing from $5,637 to $7,885 per annum : a jump of $2,248, or 39.9%, in a single year . Terry holds $2,600,000 of life cover and $1,700,000 of TPD cover, both inside his self-managed superannuation fund (SMSF). Both p

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | March 2026 Australia's life insurance industry operates under one of the most robust regulatory frameworks of any financial sector in the country. In the 2024–25 financial year, 97.2% of advised death cover claims were paid. Income protection claims on advised retail policies were accepted at 94.4%. The system, on the whole, works — and understanding why it works matters more to policyholders tha

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | March 2026 Most people who consider a professional life insurance review have the same question before they pick up the phone: is this going to be a pushy sales call? It is a reasonable concern. The short answer is no. A professional review is a structured, no-obligation process that typically begins with a conversation of between five and twenty-five minutes, involves the comparison of six to te