Life Insurance Articles

The taboo topic you're too scared to talk about... Well, we need to talk
If you're in your early forties and you haven't taken out a life insurance policy, statistically you could be gambling against the odds. In 2014, AIA Australia, one of Australia's leading life insurance providers paid out nearly HALF A BILLION DOLLARS in life insurance claims.
AIA Vitality Program
The AIA Vitality Program, which was introduced in 2014, is aimed at rewarding healthy customers by providing a discount on insurance as well as other cool discounts on non-insurance related products. The program was launched after a successful trail in South Africa where it was concluded that Vitality members who actively use the program live longer and have lower health care costs than non-vitality members.
TAL introduces Health Sense
TAL has launched Health Sense which provides an incentive for people who are healthy to sign up for insurance through TAL by applying a discount on cover for those with a body mass index (BMI) of between 19 and 28. The discount can be up to 15% of insurance premiums, depending how many policies you take out.
Do you need life insurance? The Facts.
It’s an interesting question isn’t it, I mean common sense say’s it’s not a bad idea. But at what age do you take out life insurance and what do you base your decision to start a policy on; your health and pre-existing conditions or known statistics on when and how people die?
Statistics on Claim Payouts
Something that’s front of mind for many people taking out insurance is, in the event of me making a claim, will my insurance company pay out? This can be the cause of much consternation for many people as through the years many of us have heard stories of people who for one reason or another made claims that were disqualified.
MLC ‘Best Doctor’ Program
If you take out any policy with MLC you, and members of your immediate family, will receive access to this unique medical advice service provided by Best Doctors. This means you won’t have to waste your time (and mental health!) searching for leading specialists, or potential treatments - especially in the minefield of information available these days online.
Affordable Life Insurance
In life we cannot predict what is around the corner. We do whatever we can to mitigate risk, but accidents and illness can still occur, usually taking us by surprise. While you can never safeguard your life completely, it is possible to plan for those left behind should you pass away unexpectedly - and it may not cost as much as you think. Here at Rate Detective affordable life insurance is just a phone call away.
The truth about Trowbridge: Why consumers will pay more post Trowbridge if the ACCC are bypassed
With the Trowbridge report due to be tabled on Thursday, there has been a lot of discussion in the industry on the impact on changes in adviser commission. We are concerned that if the ACCC are bypassed in the process, which has been rumoured if, consumers will end up paying more in the long run for their insurance. This post outlines some of these concerns.
What You Need to Know About Life Insurance Premiums
When you take out insurance, it's inevitable that you'll also have to deal with insurance premiums. The concept sounds easy enough: it's the money that you pay to the insurance company to provide you with continued coverage. However, you may want to dig deeper if you wish to make the most of the money you're paying, or if you wish to pay less and get more from your policy.
Heart Attack and Life Insurance or Funeral Cover?
One of the more common medical conditions we encounter at Rate Detective is clients that have suffered a heart attack in the past. Because heart attacks vary in terms of severity, there are several options available for those that have had a heart-attack and are looking for life insurance or funeral cover insurance.
Cancer and Life Insurance or Funeral Cover
At Rate Detective we have had a number of clients that have called up to try to secure life insurance when they have been diagnosed with cancer.
Life Vs. Funeral Insurance
Choice is often a good thing. When it comes to personal insurance for example, the plethora of types of policies available makes it possible for people to find the exact kind of policy that's right for them. On the other hand, it could lead to tons of confusion too.
Trends in Insurance You Need to Check Out
The world of life insurance is a dynamic one. While it remains basically about providing benefits for the insured and his or her family in case of the insured's illness, injury, or death, insurance companies constantly try to improve their insurance products.
When to Review Your Life Insurance Policy
It is important that you review your life insurance policy regularly. There are many reasons why you should do this, such as to take advantage of the different offerings of competing insurance companies. But aside from that, the right timing also important when reviewing your policy.
Why Review Your Life Insurance Policy
Because you're reading this, chances are that you are already a holder of a life insurance policy. However, you are also considering reviewing it, but are unsure why you should do this. Basically, life insurance is a lot like your car--you need to constantly check it to make sure that everything works as well as the first day you bought it.
How to Review Your Life Insurance Policy
It's important that you regularly review your life insurance policy as you experience significant changes in your life. Ideally, you have to review your policy every 2-3 years in order to ensure that your current one can still adequately provide for your family's needs in case of an emergency.
How to Save Money on Your Life Insurance
There are people who try to save money on their life insurance premiums by choosing the cheapest cover only to end up being under-insured. And by being under-insured, they are more likely to spend more when the time comes for them to make an insurance claim. Why?
More Life Insurance Myths to Avoid
We already discussed some of the most common life insurance myths in our previous articles. And there's more. Once again, we're sharing these myths with you so that you can be guided accordingly and get an insurance policy that you need, at premiums that you can afford.
Your Life Insurance Questions, Answered
Let's face it, unless you work in the life insurance industry, chances are that you find a lot of things confusing when it comes to getting a policy. Questions such as choosing the right policy, knowing how much one should pay for their premiums, and why one needs a medical exam are just some of the most common ones we receive regularly at Rate Detective.
What Makes an Ideal Life Insurance Policy
"What's the perfect policy for me?" It's a question often asked by people shopping around for a life insurance policy. It's a valid one too. After all, companies offer a myriad of options that it can be quite confusing which one to choose.

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