Learning centre personal insurance, explained
Plain-English guides to life, TPD, trauma and income protection cover, and how paying through super works. General information only.
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Life, TPD, trauma and income protection: what's the difference?
A plain-English comparison of the four main types of personal insurance in Australia, what each pays, and which can be held in super.
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Insurance in super: what to check, and when cover can stop
How default insurance in super works, the rules that can switch it off (inactive accounts, under 25s, low balances), and what to check on your statement.
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Own occupation vs any occupation TPD: what's the difference?
The two most common TPD definitions explained, why 'own occupation' cover can't be held in super, and how super-linked cover works.
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Income protection waiting and benefit periods, explained
What waiting periods and benefit periods mean in income protection, common options, and how they affect cover. General information for Australians.
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Stepped vs level premiums: how insurance costs change over time
How stepped and level premium structures work in Australian personal insurance, and what else can change the cost of cover. No prices, just the concepts.
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What are a PDS and TMD, and why do they matter?
What a Product Disclosure Statement and Target Market Determination are, who writes them, and what to look for before you take out personal insurance.
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Making a personal insurance claim: what to expect
The general steps in making a life, TPD, trauma or income protection claim in Australia, what the insurer will ask for, and where to get help.
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