Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | March 2026 Case Study Summary A 45-year-old NSW chef's total insurance premiums fell from $12,951 to $5,797 a year — a saving of $7,154, or 55% — while the amount paid from his personal income fell from $9,720 to $875, a reduction of $8,845 or 91%. The saving came from restructuring income protection from personal ownership into superannuation and replacing seven-year-old ClearView policies with

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 with

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