Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | March 2026 · Updated July 2026 Arrow Equities is a specialist life insurance advice practice based in Rose Bay, Sydney. Christopher Hall, AdvDipFP, AFSL 526688, has completed more than 500 personal life insurance policy reviews for everyday Australians — families with mortgages, professionals and SMSF trustees across every state and territory. (C. Hall, Arrow Equities, 500+ policy reviews) The p

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 A codicil to a will is a short, formal legal document that amends an existing will without replacing it. In Australia, a codicil must generally be signed, dated, and witnessed by two adults who are not beneficiaries — the same execution standard as the original will. It is used for minor changes, such as appointing a new executor or adjusting a specific gift. The point most Australians

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 Published: March 2026 | Last Updated: July 2026 Most Australians with superannuation assume their default TPD cover is adequate. In my experience reviewing more than 500 Australian insurance policies, approximately 1 in 3 clients holding default super-only TPD cover have coverage that has fallen well below what they assumed — in some cases to less than 10% of the figure they believed they held. One