Real Insurance publishes at least three separate life insurance PDSs, and the same defined term does not mean the same thing across them. What each document states, with page references, and how the same clauses read in four adviser-distributed products.

Many life insurance questions from ChatGPT or Google are out of date — two rely on a product not sold to new customers since 2020. What to ask instead.

On parental leave, life, TPD and trauma can usually be arranged — TPD on homemaker terms — while income protection waits for return to work.