Finance Articles
  • How Much TPD Insurance Do You Need?
  • by Kerrie Peacock
  • The expenses encountered in daily living often increase due to changing lifestyles, inflation and other factors. This means that whatever costs you have currently may soon change in future. Therefore, such anticipated rising costs should be a key consideration when estimating how much coverage will be sufficient in future.
  • Why You Urgently Need A TPD Insurance Online Quote
  • by Kerrie Peacock
  • The risks of injury or illness cannot be underestimated. Such occureances would also lead to serious suffering on dependents (spouses and children), who would inevitably be affected. This is clearly illustrated by the 2008 HILDA (The Household, Income and Labour Dynamics in Australia) Survey, which found that more than 235,000 working age Australians suffered serious illness or injury within the previous 12-month period.
  • A Comparison Between TPD Insurance In SMSF And Other Super Funds
  • by Kerrie Peacock
  • Such a variety of investment and payment options may not be available in SMSF. However, if you intend to implement such investment options within SMSF, you would require a complex array of skills and assistance from highly skilled professionals. This may also be quite costly, especially since the amount of money you have in SMSF would be much less than existing super funds.
  • Why TPD Insurance Home Duties Is Just As Important As "Own Occupation" And "Any Occupation"
  • by Kerrie Peacock
  • There is also a high risk that you may be injured right at home. In fact, the 2012 report by CommInsure reveals that 30 per cent of Australians had been or knew someone who had been hospitalized as a result of do-it-yourself jobs within the home environment, whereas 32.3 per cent were hospitalized due to other home activities, and 21.3% had or knew someone who suffered physical assault at home or in public.
  • How To Get A Life Insurance Quote Online And Buy Life Cover
  • by Kerrie Peacock
  • Depending on the maximum limits provided and other restrictions, you can choose the most appropriate policy from the variety of products an insurer has. Going directly to the insurer also offers you the opportunity of getting accurate information concerning the actual product you are buying. Make sure to carefully read the Policy Disclosure Statement (PDS) and all relevant documentation in order to avoid disappointments in future.
  • The Most Persuasive Messages In Motivating Australians To Buy Life Insurance Policies
  • by Kerrie Peacock
  • A great benefit of having life cover through your super is that your premium contributions are made from your pre-tax income. This is a major advantage, since such subtractions will have less impact on the amount of money that you are left with to cater for other expenses. Apparently, this benefit ranks as the second most persuasive message for Australians (selected by 16% of the surveyed respondents), based on the survey by FSC and MetLife.
  • The Relationship Between TPD Insurance GST And Input-Tax
  • by Kerrie Peacock
  • The application of GST is generally what applies to all VAT setups. However, there are cases in which application of GST may be hard to do, due to valuation difficulties or policy reasons. Such valuation difficulties are likely to be encountered with insurance products, particularly life and TPD cover.
  • What Is Life Insurance And Why You Should Not Avoid It
  • by Kerrie Peacock
  • The reality is that life cover would cost much lower than $1,500 a year. In fact, it may cost even less than half that amount. The Financial Services Council (FSC) reports that average premium cost of life cover for a non-smokers aged 35 years is only $600 annually. Apparently, you will get sufficient cover for as little as $1.65 per day. That is definitely an amount that most, if not all Australians can afford.
  • Why Life TPD And Trauma Insurance Are Critically Important
  • by Kerrie Peacock
  • TPD cover works on the same concept as trauma cover. In this case, policy holders are offered a benefit payment in case of permanent disability that prevents them from working within an 'own' occupation or 'any' occupation. Basically, much of the trauma conditions involved in trauma cover are the leading causes of disability. Hence, the same risks that apply to trauma also apply to TPD cover.
  • Is Income Protection, Life And TPD Insurance Tax Deductible?
  • by Kerrie Peacock
  • Both premiums for life and TPD insurance may be deductible under specific situations. This means that TPD insurance and life cover premiums may be tax deductible only if they are organized within a superannuation fund. However, the circumstances for life cover is a bit more complex, since tax deductibility of this cover is only possible if the policy holder is self-employed , despite the fact that such a cover is within a superannuation fund.
  • What You Need To Know About TPD Insurance Payout Tax
  • by Kerrie Peacock
  • The Australians Taxation Office states that the time you get your benefit payment with respect to your preservation age (for TPD cover within super funds) will determine the exact amount of tax you have to pay. You will receive a tax offset that reduces the tax rate on your benefit payment by 15% (applies to the taxable component of the benefit payment) if you do receive your benefit payment at an age lower than your preservation age.
  • The Lure Of A Payday Loan
  • by Wendy Miller
  • When attempting to attain a payday loan as with any purchase, it is wise to take your time to shop around.
  • Choosing The Right Plan For Your TPD Insurance Cover
  • by Kerrie Peacock
  • In case you get disabled, you have either of two options to secure your financial status: disability pension or TPD insurance cover. However, the amount of financial support you can expect from disability pension may be insufficient for your needs. For instance, in 2011, a disabled spouse having children would receive $670.90 per fortnight, which is far below the 2011 average adult weekly earnings of $1,288.10 (based on the data provided by ABS).
  • Term Life Insurance Without Medical Exams - Affordable Life Insurance
  • by Kerrie Peacock
  • A national worry survey by the Centre for Emotional Health revealed that approximately two-thirds of Australians frequently worry about their career and study. The point here is that, Australians would rather seek to grow career-wise rather than spend time doing other things that are not work-related such as undergoing through insurance underwriting processes which can be indeed quite time consuming.
  • Choosing Your Life Insurance Policy: Where To Get The Best Advice
  • by Kerrie Peacock
  • Apparently, the information provided by Canstar is not only useful to individual Australians, but also extremely valuable to more than 300 financial institutions that use such highly-researched data in fine-tuning their products to best suit client needs. This is because Canstar rating of insurance products is not merely based on price, but the overall value of different insurance products.
  • 4 Useful Features To Compare Income Protection Insurance From Different Insurers
  • by Kerrie Peacock
  • The insurer will treat your claim as an extension of the previous claim. Therefore, you will continue receiving your monthly payments until the benefit period ends. This is beneficial in certain conditions that may recur including stroke (Deloitte Access Economics reported that in 2012, approximately 50,000 Australians experienced new and recurrent strokes, which is comparable to 1,000 strokes each week or 1 stroke every 10 minutes).
  • Life Cover: What You Need To Know About Over 50 Insurance
  • by Kerrie Peacock
  • Smoking will increase your premiums further: Being a smoker will raise the cost of getting cover even higher. According to data provided by Canstar, in the year 2013, smoking male Australians aged 50 years had to pay $285.58 and smoking female Australians aged 50 years had to pay $206.37, as the average monthly premium rates for life cover worth $500,000.
  • Online Life Insurance: The Real Reasons Why Australians Buy Life Cover
  • by Kerrie Peacock
  • It is notable that young singles aged below 35 years value this aspect of financial stability (14%) as a greater trigger in seeking life cover, compared to the feeling of protecting loved one (13%). Although, this may seem reasonable, it is also necessary for young people to seek life cover even if they don't have families. This is because the maximum coverage for offline and online life insurance policies reduces as your age increases.
  • How Women Can Secure Their Financial Future
  • by Samantha Knowles
  • Women are notoriously nurturing creatures with little or no head for business. This is the stereotypical view of women and very little of it rings true. Still each of us knows at least one woman who could benefit from some sound financial advice.
  • The Benefits of Knowing Your Credit Score
  • by Stephen Leifer
  • There's a lot to your credit score and that seemingly random number affects more than just your ability to get a loan. This article lists and explain four good reasons to know your credit score and to keep track of it on a regular basis.
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