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Life Insurance Articles

A Millennial's Guide to Life Insurance
A Millennial's Guide to Life Insurance
For many millennials, navigating the complexities of personal finance and future planning can feel like a bewildering journey. Among these financial responsibilities, life insurance emerges as a paramount consideration. More than just a safety net, life insurance can be the cornerstone of a sound financial strategy, providing peace of mind for both the policyholder and their loved ones. - read more
The Digital Age of Insurance: Keeping Costs Down with Online Quotes
The Digital Age of Insurance: Keeping Costs Down with Online Quotes
The horizon of the insurance industry has undergone a transformative shift with the advent of digital technology. With a few clicks, consumers can navigate the once-complex world of insurance policies from the comfort of their home. The digital landscape for insurance services offers unprecedented access to information, comparisons, and instant communication, fostering a more empowered insurance client. - read more
How Pre-Existing Conditions Influence Life Insurance Premiums
How Pre-Existing Conditions Influence Life Insurance Premiums
When it comes to life insurance, a pre-existing condition refers to any medical condition or illness that you have been diagnosed with before applying for a life insurance policy. - read more
Trauma Cover: Calculating Adequate Protection for Life's Unexpected Moments
Trauma Cover: Calculating Adequate Protection for Life's Unexpected Moments
The financial fabric of our lives consists of both planning and safeguarding against the unforeseen. Trauma cover, a lesser-known but crucial aspect of personal insurance, provides this protection by offering a lump sum payment upon diagnosis of specific serious illnesses or injuries. In the tapestry of financial planning, it acts as a vital safety net, ensuring that unexpected health crises do not lead to monetary distress. - read more
How Life Insurance Provides Financial Security for Your Loved Ones
How Life Insurance Provides Financial Security for Your Loved Ones
Life insurance is a crucial part of any comprehensive financial plan, providing peace of mind that your loved ones will be financially secure in the event of your passing. - read more

Insurance News

ICA Advocates for Overhaul of Civil Liability Laws to Curb Rising Insurance Premiums
ICA Advocates for Overhaul of Civil Liability Laws to Curb Rising Insurance Premiums
24 Feb 2026: Paige Estritori
The Insurance Council of Australia (ICA) has recently released a white paper highlighting the urgent need for reforms to state and territory civil liability laws, which have remained largely unchanged for nearly 25 years. These outdated laws are contributing to significant increases in public liability insurance premiums, affecting a wide range of businesses across the nation. - read more
Liberty Adds 'Safe Harbour' Insolvency Cover to D&O Policies
Liberty Adds 'Safe Harbour' Insolvency Cover to D&O Policies
24 Feb 2026: Paige Estritori
Liberty Specialty Markets has announced the addition of a company insolvency extension to its Australian directors' and officers' (D&O) liability policies. This innovative feature is designed to support companies and their directors by covering reasonable costs incurred when engaging approved advisers under the 'safe harbour' insolvency regime. - read more
APRA Reports Significant Underwriting Gains in Short-Tail Insurance
APRA Reports Significant Underwriting Gains in Short-Tail Insurance
24 Feb 2026: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has released data indicating a substantial underwriting profit of $1.55 billion in short-tail insurance lines for the September quarter. This marks a notable improvement in the sector's performance, with householders insurance contributing $636 million to the overall profit. - read more
Undisclosed Tenant Activities Result in Denied Insurance Claim for Landlord
Undisclosed Tenant Activities Result in Denied Insurance Claim for Landlord
24 Feb 2026: Paige Estritori
In a recent ruling by the Australian Financial Complaints Authority (AFCA), a landlord's $99,295 theft claim was denied due to non-disclosure of a tenant's change in property use. The case underscores the critical importance of accurate tenant use disclosure in property insurance policies. - read more
Insurer Required to Honour Arson Claim Amidst Director's Undisclosed Criminal Past
Insurer Required to Honour Arson Claim Amidst Director's Undisclosed Criminal Past
24 Feb 2026: Paige Estritori
The Australian Financial Complaints Authority (AFCA) recently ruled that an insurer must pay an arson claim, despite the insured company's director having an undisclosed criminal history. This decision emphasizes the insurer's responsibility to prove non-disclosure when denying claims. - read more

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Knowledgebase
Insurance Policy:
Broadly, the entire written contract of insurance. More narrowly, the basic written or printed document, as distinguished from the forms and endorsements added thereto.