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Understanding Insurance in Australia

Why Life Insurance Matters

Life insurance provides financial security for your loved ones in the event of your death or terminal illness. It can help cover mortgage repayments, daily living expenses, and your children's education costs. When comparing life insurance, it's important to consider the level of cover you need and any exclusions that might apply.

Navigating Private Health Insurance

Private health insurance in Australia consists of Hospital cover, General Treatment (Extras) cover, or a combination of both. Having private hospital cover can help you avoid the Medicare Levy Surcharge if you're a high-income earner and provide choice of doctor and shorter waiting times for elective surgeries.

Safeguarding Your Earnings with Income Protection

Income protection insurance can provide a monthly benefit of up to 70% of your pre-tax income if you're unable to work due to illness or injury. This helps you maintain your lifestyle and meet financial commitments while you recover. Key factors to compare include waiting periods, benefit periods, and whether the cover is 'agreed value' or 'indemnity'.

Life Insurance

Compare policies from Australia's most trusted life insurers.

Health Insurance

Find hospital and extras cover tailored to your health needs.

Income Protection

Secure your income and maintain your lifestyle during recovery.