Finance Articles
  • Differences Between TPD Insurance Outside Super And Inside Super
  • by Kerrie Peacock
  • Another key benefit of TPD cover inside your super is the fact that you pay premiums from pre-tax contributions. This makes your coverage even more cost-effective, since you will have fewer deductions on your disposable income. In case you do use after-tax contributions in paying for your TPD insurance premium, you may still claim government co-contribution, if you are eligible. Such a benefit is not available with TPD cover outside super funds.
  • How Beneficiaries Can Access An Unclaimed Life Insurance Policy Benefit
  • by Kerrie Peacock
  • Generally, unclaimed benefits arise when beneficiaries lose the necessary details for lodging benefit claims. Critical documents needed in lodging a claim may be misplaced and impossible to find after the policy holder dies. To avoid such an occurrence, a policy holder needs to furnish his/ her dependants with all the necessary information and documentation useful in lodging a claim for a life insurance policy.
  • Life Insurance Company Ratings: Selecting The Best Insurer For Your Needs
  • by Kerrie Peacock
  • It's unfortunate that only 42% of Australians seek financial advice when purchasing life cover (based on a 2008 Lump Sum Experience Study, by the Financial Services Council (FSC) and KPMG). Getting financial advice can play a key role in helping you choose the most appropriate cover. Perhaps many people consider hiring a financial expert as an unnecessary expense, but you should view it more as a long term investment.
  • Income Protection Insurance: Is It Tax Deductible?
  • by Kerrie Peacock
  • It's also interesting that a 2014 report by the Financial Service Council (FSC) And MetLife revealed that many Australians regarded government provision of tax incentives for income protection policy holders, as the most persuasive message that would motivate them to buy coverage. Perhaps, if more people understood the tax deductions already provided in income protection cover, they would buy more policies.
  • Income Protection Insurance for Casual Employees
  • by Kerrie Peacock
  • Various super funds will not provide automatic income protection cover to casual employees. For instance, most Super SA (Superannuation of the Government of South Australia) members joining Triple S (a super scheme for public sector employees in SA) will automatically get income protection insurance. However, casual employees are among the Super SA members who aren't eligible for automatic income protection insurance.
  • Tips For A Student Credit Card
  • by Wendy Miller
  • Be sure to limit the number of credit cards you hold. Having too many credit cards with balances can do a lot of harm to your credit.
  • Apartment in Saint Sorlin D'arves - Perfect For Vacation
  • by Bob Martine
  • Apart from the awesome landscape, spa facilities are also available for the people to relish the impeccable services after a hard day of sight-seeing. One of the top most golf courses called the Evian Royal is also located in the close vicinity and people can enjoy the summer as well as winter experience.
  • How to Evaluate a Rental Income Property
  • by David LeMontree
  • This is a Real Estate article for Investors and bargain hunters. It explains how to determine if a Rental Income property is a good buy and if it has good cash flow. It will help to determine if the rents will cover the mortgage and if the numbers will work for you ....
  • General Rules That Apply To All Life Insurance Quotes Online
  • by Kerrie Peacock
  • Life insurance quotes online are useful in getting estimates of how much cover you can get and at which cost of premium payment. The amount of cover you get would vary from one person to the other. However, there are some general aspects that apply to all people seeking insurance cover; these are based on some general rules that apply to all life insurance quotes online.
  • How A Life Insurance Quote Can Help You Overcome Doubts About Getting Life Cover
  • by Kerrie Peacock
  • According to a 2014 survey, by the Financial Services Council (FSC) and MetLife, Australians lack clear understanding of the true cost of life insurance products. In fact, the survey revealed that most Australians believe that life and TPD cover would actually cost the same in terms of premium rates. This is completely mistaken. Majority of those interviewed in the report claimed that life cover would cost them approximately $1,500 a year.
  • Income Protection Insurance Tax Deductible SMSF
  • by Kerrie Peacock
  • After evaluating the various aspects, including tax deductibility, trustees will make appropriate decisions on the best method of holding insurance for each member. Such aspects as tax deductibility will determine whether all conditions are favorable for members to hold cover fully inside super. This is especially so if the tax deductibility aspect provides a significant advantage to holding cover fullly inside SMSF.
  • Do You Need Income Protection Insurance And Which Type?
  • by Kerrie Peacock
  • Your income is a significant asset that you must safeguard as much as possible. The Australian Bureau of Statistics reports that Australians had an average full-time weekly income worth $1,437.70 in 2013. This is a valuable flow of revenue that needs to remain constant despite any interruptions to your normal work schedule. The only way to do this is by purchasing an income protection insurance policy.
  • 3 Tips For Forex Trading
  • by David Lauro
  • Are you getting tired of seeing your income remain static, never gaining the interest or returns that it should be?
  • Reasons Why Buying Life Insurance Online Is An Excellent Choice
  • by Kerrie Peacock
  • 1 in 3 working Australians claim that they don't have sufficient knowledge to give any advice on life cover (based on a 2014 survey, by the Financial Services Council (FSC) and MetLife). Such lack of awareness is quite surprising, particularly in the modern world whereby life insurance information can easily be accessed online. You can easily check various aspects, apart from conveniently applying for life insurance online:
  • How Much TPD Insurance Do I Need?
  • by Kerrie Peacock
  • According to a 2013 report titled, "Underinsurance in Australian", by Rice Warner, the recommended minimum level of coverage for life or disability cover is about ten times your annual household earning. However, the best case scenario is a level of coverage that is fifteen times your annual household income. This will ensure that you can comfortably maintain your current lifestyle in full.
  • Why You Need To Review Your Death And TPD Insurance Premiums
  • by Kerrie Peacock
  • The 2008 joint report, by AIST and IFF, revealed that 16% of Australians were over-insured by approximately $100,000 or more for life cover. This only represents a fraction of 37% of Australians who were over-insured to some extent for life cover. 4% of Australians were also over-insured by approximately $100,000 or higher amounts for TPD cover. It's also interesting to note that younger people were the most likely group to be over-insured.
  • The Best Income Protection Insurance In Australia For White Collar Workers
  • by Kerrie Peacock
  • Specified injury and unemployment benefit are standard features provided by all four of the top-rated income protection covers as analyzed by Canstar. Basically, unemployment benefit provides a regular income stream worth approximately 75% of your previous income, during the time when you are disabled and unable to continue working. This serves to cater for your expenses, despite lacking the capacity to earn a regular income.
  • 90 Years of Inflation in 90 Seconds
  • by Marko Rubel
  • Remember back when the price of movies was less than $10? Take a look how inflation has impacted prices throughout the last century.
  • Biggest Real Estate Investing Mistakes
  • by Marko Rubel
  • If you're a real estate investor, pay close attention to these mistakes which cost precious time and money to other investors across the country.
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