Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2025 HCF Life has been fined $750,000 by the Federal Court for misleading conduct relating to pre-existing condition clauses in its “Recover” insurance products, often issued through group superannuation cover. The court found HCF Life’s policies allowed them to deny claims if a medical practitioner later concluded that symptoms existed before the policy began - even if the customer had no d

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | April 2025 ASIC has exposed widespread failings by Australia’s largest superannuation funds, revealing they’ve acted unfairly and insensitively towards grieving members. Not a single trustee reviewed tracked or reported on the full end-to-end process of handling death benefit claims. The review, which included major names like Australian Retirement Trust, HESTA, Hostplus, Rest, AMP, and UniSuper,

In my quest to accrue points within a rewards program (which I'll refrain from naming), I recently went to the optometrist. This visit promised improved vision the potential for additional points. Transitioning from my health fund's no-gap dentist to an optometry practice conveniently located near my workplace, I anticipated a seamless experience like to my recent dental revelation. Booking my appointment was a breeze, courtesy of the practice's efficient online system. Like