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As I mentioned, we have a specalist in the office who deals in this sort of thing. Generally speaking income protection via super is very limited in its scope, but other insurances (such as life) can work very well through super. Your back surgery would likely mean there's some restrictions on...

Did you get proper advice on your insurances? It's a supprisingly complex minefield to navigate which I why I've decided to bring in a specialist for all this rather than just do it as an add-on.

There's plenty of ways around this. Chances are that as you get older your outgoings will decrease (kids eventually take care of themselves) so the insurance needs will decrease. It's fairly easy to reduce an existing policy. You'd be amazed at how many people don't have sufficient super to...

The difference is the industry funded income protections only last 2 years and have a fairly narrow defenition compared to most retail insurances. Most other policies can continue to pay until age 65. Weg, unless you're willing to pay extra, all income protection policies only cover 75% of...

For most people their personal insurances cost about 2-3% of their total income although this can increase with age. Trauma especially can increase as you get older, but that's because you're much more likely to claim. The new FOFA (Future Of Financial Advice) rules which are being...