Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | July 2026 Last updated: July 2026 The conditions most likely to end a working career — and trigger a TPD insurance claim — are musculoskeletal disease, mental and behavioural conditions, and diseases of the nervous system. Together they account for 53% of TPD claims paid in Australia. According to the ABS 2022 National Health Survey, these same three categories are already present in approximate

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