Finance Articles
  • Income Protection Insurance Cover Redundancy - How It Works
  • by Kerrie Peacock
  • The unemployment cover is an additional feature that you can incorporate into your income protection cover. This feature is normally not offered by life insurance companies, but by general life insurance companies. The unemployment cover will temporarily replace your income when you are suddenly laid off from work. You can use this money to pay for your bills, school fees, rent and mortgage, and other debts.
  • Income Protection Insurance Comparison in Australia - How To Get The Best Cover
  • by Kerrie Peacock
  • Income protection insurance offers you a safe landing when you are suddenly unable to work due to an illness or injury. You will be able to access a monthly payment that will enable you to pay for your immediate expenses and debts. When planning to take out an income protection insurance policy, it is always a good idea to check out the different policies available so you can settle on the best income protection insurance.
  • Income Protection Insurance Australia - The Extent Of Cover And Benefits
  • by Kerrie Peacock
  • Income protection insurance is a way of ensuring that in the event that you are unable to work due to an illness or injury, you will have access to an income and thus be able to take care of your financial obligations. Most policies for income protection insurance in Australia will provide you with up to 75 per cent of your income on a monthly basis. This percentage will include any fringe benefits, commissions or bonuses you are entitled to.
  • Best Life and TPD Insurance - Tips For Finding The Best Cover
  • by Kerrie Peacock
  • The exclusions and restrictions of the policy are also very important to note as these may render the policy irrelevant to you depending on your circumstances. The amount of coverage under your TPD policy should be sufficient to take care of you in case the event insured against takes place. It is also advisable to carry out a background check of your preferred insurance provider to ascertain that they offer quality services to their clients.
  • A Comparison of Life Insurance: AARP Vs One Path
  • by Kerrie Peacock
  • Before settling on coverage from a specific insurance company, it's always wise to evaluate the options available in the market. You can even go further to compare products and services from different countries, just to see how Australia compares to the rest of the world. Here is a comparison between AARP (US based) and One Path (in Australia) that will give you an insight on such differences.
  • Australian Super TPD Insurance - Features And Benefits
  • by Kerrie Peacock
  • One of the benefits of taking out an Australian super TPD insurance is that your premiums are paid from your contributions to the fund, and these are tax deductible, making the premiums more affordable. You can also decide to have a smaller take home income, allowing more of your income to go to your super fund and as a result more income goes into your TPD insurance. You can then benefit from a lower income tax obligation.
  • TPD Insurance Tax Deductible - What Constitutes Tax Deductibility?
  • by Kerrie Peacock
  • When deciding whether or not to take out your insurance cover within or outside a super fund, there are a few aspects you need to consider, more so for TPD insurance. Tax deductible premiums should not be the only factor you should look at. Whereas the TPD cover has tax deductible premiums making it more affordable, a standalone policy will offer you a more comprehensive cover and a wider range of benefits.
  • Benefits Of TPD Insurance - Understand The Benefits
  • by Kerrie Peacock
  • A total and permanent disability insurance cover will provide you with a lump sum payout once you are unable to continue working due to a disability. You will be able to access the benefits of your TPD insurance if you are able to satisfy the TPD definition laid out in your insurance policy. You may decide to take out your TPD insurance as a standalone policy, or you can bundle it with your life insurance policy.
  • Foreclosure Vs. Short Sale
  • by Nikitas Tsoukalis
  • If you can't afford to make payments on your home loan, two options are foreclosure or short sale. Here's a look at each and how it impacts your credit score.
  • What's Hurting My Credit Score?
  • by Nikitas Tsoukalis
  • Many Americans don't have a favorable credit score. Here's a look at some of the most common "negatives" on their reports, which help explain why.
  • 10 Reasons You Put Off Credit Repair
  • by Nikitas Tsoukalis
  • Hiding from your finances? Learn some of the reasons you may be avoiding credit repair and take the first step to better credit.
  • 10 Signs You Need Credit Repair
  • by Nikitas Tsoukalis
  • Not sure whether your credit needs rescuing? Learn the signs that you need credit repair. Not getting approved for a loan, credit card even a job, may be ...
  • Income Protection Insurance Tax Deductibility ATO - Get The Facts
  • by Kerrie Peacock
  • When you receive a payout from your income protection insurance policy due to the loss of your job, you are required to include this payment in your tax returns. Normally, the premiums you pay are tax deductible, but only the part of the premium that relates to your income benefit. A deduction for a premium, can, however, not be claimed if you are being compensated for a physical injury in addition to loss of income.
  • Tips To Compare Prices For Income Protection Insurance Policies
  • by Kerrie Peacock
  • Having income protection insurance ensures that in the event that you are unable to work due to illness or injury, you will be temporarily covered. Normally, income protection provides you with a maximum of 75 per cent of your income to take care of your daily living expenses. These payments will continue up to the time you are able to resume work. You may also get payment up to the stipulated time that is indicated in your policy.
  • World's Most Famous Watch
  • by Paul Sheals
  • A luxury timepiece described as the 'world's most famous watch' is expected to fetch a record $17million when it goes on auction later this year at Sotheby's. The Henry Graves Supercomplication is the centrepiece of Sotheby's Geneva sale of Important Watches, and will go under the hammer on November 14.
  • Tax Deductibility of TPD Insurance Premiums - Get The Facts Right
  • by Kerrie Peacock
  • Tax deductions are permitted for insurance premiums which are paid via a superannuation fund. Some of the insurance premiums are fully deductible, while others are only partially deductible. You can get a 30 per cent tax deductibility of TPD insurance premiums if you have a whole of life policy. Previously, it was possible to claim tax deductions for all TPD insurance premiums which were paid by superannuation funds.
  • Income Protection Insurance Redundancy - What You Need To Know
  • by Kerrie Peacock
  • Income protection insurance is meant to cover you should you be unable to work due to an illness or injury. This policy covers you for a specified period of time. In the case of involuntary redundancy, not many insurance companies in Australia offer income protection cover. There are, however, some general insurance companies that have come up with a short term cover of up to 3 months for involuntary redundancy.
  • Income Protection Mental Illness - Know Your Options
  • by Kerrie Peacock
  • There are several illnesses attributable to the rise in mental illnesses being experienced today. It has been noted that medical professionals such as surgeons, dentists and doctors are at a higher risk of succumbing to mental illnesses. This is because of the high stress related to their occupations. Another aspect is because of their emotional nature stemming from their personalities, which is what draws many of them to these professions.
  • Important Life Insurance Advice
  • by Kerrie Peacock
  • The foundation of life insurance is recognition of the value of a human life and the possibility of indemnification for the loss of that value. In other words, it's simply a mutually beneficial contract between two parties: an insured person (also called the policy holder) and an insurer. In this contract the insurer promises to pay a sum of money (also called a benefit payment) to a specific beneficiary.
  • Customer-Oriented Strategies For A Life Insurance Agent To Increase Sales
  • by Kerrie Peacock
  • The same study also reveals that majority of Australians are concerned about paying their bills and living a comfortable lifestyle. People actually prioritize such things as cars and houses even more than their health. The survey indicates that majority of people would be more willing to sacrifice heath insurance compared to their car or home insurance. Life insurance comes a distant third after these two top priorities.
  • Life Insurance: Allstate Vs Onepath
  • by Kerrie Peacock
  • OnePath boasts $97,654,392 worth of claims paid for life insurance in the year 2013. The single most significant cause of such claims was stroke in both female (51%) and male (40%) policy holders. The statistics also show a significantly greater claim amount for males ($72,062,856) compared to females ($25,591,536). This helps explain why males have higher premium rates compared to females, just as with Allstate Life.
  • Income Protection Insurance ANZ: What You Need To Know Before Purchasing
  • by Kerrie Peacock
  • The case of an uncomplicated pregnancy, miscarriage and childbirth has a little bit of flexibility. Although no benefit payment would be made in these situations, the insurer would consider claims based on what happens thereafter. Benefit payments would apply from the end of a three-month period if you experience total disability exceeding three months afterwards.
  • Income Protection Insurance Through Super Tax Deductible - The Facts Of The Matter
  • by Kerrie Peacock
  • Income protection insurance provides you with a continuous monthly benefit in the event that you are unable to continue working due to an injury or illness. You can insure up to 75 per cent of your pretax income, and you will usually be allowed to hold this policy up to the age of 65. This benefit replaces your income in the period that you are unable to work, ensuring you can meet your financial obligations until you are able to resume work.
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