Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | March 2026 · Updated October 2026 Five main levers exist for reducing Australian insurance premiums without cancelling cover. In order of typical impact: extending the waiting period on income protection; reducing benefit duration or adjusting TPD definition; reviewing new business rates; adjusting payment structure; and right-sizing sum insured to current circumstances. Most families implement t

By Christopher Hall, Financial Adviser, AFSL 526688, Arrow Equities | Published March 2026 If the adviser who arranged an insurance policy has left the industry, the policy remains in force — but no one is actively managing it. Commission continues to be paid, typically to the departing adviser's former licensee, for a service that is no longer being delivered. Structural problems, coverage gaps, and loyalty tax accumulate undetected. The policy is orphaned in everything bu

By Christopher Hall, Financial Adviser, AFSL 526688, Arrow Equities | Updated April 2026 Life insurance and TPD are generally more tax-efficient paid through superannuation. Income protection is generally more tax-efficient paid personally — but this rule is narrowing as policy terms converge. The right structure for any individual depends on their cover types, tax position, and the specific terms of their contracts. It cannot be determined without reviewing the individual