Default cover across old super accounts — plus a personal policy — means many Australians pay for insurance twice. What's wasted, and how to fix it safely.

Medical professionals are the core of PPS Mutual — 15 professions qualify. What doctors, dentists, pharmacists, vets and other clinicians should know about own-occupation TPD and income protection.

Accountants, actuaries, CFA charterholders and finance graduates can qualify for PPS Mutual through both pathways. Eligibility, income protection, business cover and TPD explained.