Medical Disclosure in Insurance Applications: Common Mistakes to Avoid
By Christopher Hall, Financial Adviser, AFSL 526688, Arrow Equities | Published March 2026 Both over-disclosure and under-disclosure create problems in Australian life insurance applications. Under-disclosure risks claim denial. Over-disclosure can generate exclusions and loadings that do not reflect an actual medical risk — and may take significant effort to remove. The correct approach is to answer every question asked accurately and completely, and not to volunteer inf
Mar 2
Stepped vs Level Premiums: Why It's Now the Wrong Question in Australia
Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | Published March 2026 · Updated September 2026 Level premiums were designed to cost more upfront and save money over time. For most Australian policyholders who took out level policies between 2015 and 2020, that crossover has not materialised — and in many cases, current modelling suggests it will not arrive until a policyholder's mid-to-late 60s, if at all. Arrow Equities has not recommended a
Mar 2
The Refund as a Process Enabler — Not the Goal Itself
By Christopher Hall, Financial Adviser, AFSL 526688, Arrow Equities | Published March 2026 | Educational content only — not financial advice Paying an annual life insurance premium does not lock a policyholder in for twelve months. Most major Australian insurers provide a pro-rata refund of the unused premium if a policy is cancelled before the renewal date. This means families can pay their renewal, take time to conduct a proper review, and switch to more appropriate cov
Mar 2
