Waiting Period

Waiting Period Articles & Guides

• Home Loans How to Choose Mortgage Protection Insurance

  As a responsible mortgage owner, you always try to make sure that you set aside enough funds to make your mortgage repayments. It doesn't matter if you're making payments for your own home or for an investment property, what's important is that you make those payments on time.

• Life Insurance How to Get Life Insurance Quotes in Australia

  Before you buy life insurance, it is important that you get quotes first. The reason for this is that quotes will give you a rough idea of how much your policy would cost, as well as help you compare rates provided by several insurance companies.

• Income Protection Essential Tips on Income Protection Insurance

  As an adult who earns an income, income protection insurance is probably one of the best and the most important types of insurance you can take out. The reason for this is that you could receive up to 75% of your salary should you become unable to work due to an illness or injury.

• Income Protection Best Income Protection Insurance - for you

  So you are looking for the best income protection insurance policy on the market? We have a lot of our clients ring in and ask for exactly that, however, for you to decide upon which is the "best insurance policy" for you an understanding of how insurance companies price income protection is helpful.

• Income Protection Waiting Period - Income Protection Insurance

  When selecting an Income Protection Policy one of the key things you will need to choose is the waiting period for your income protection. The waiting period is the time you must wait if you become sick or injured and cannot work before making your claim. At Rate Detective we have found that the majority of our clients choose a 30-day wait, however, other common waiting periods are 14-days, 60 days and 90 days.

• Income Protection Income Protection Insurance for High Income Earners

  Some people think that since they earn significantly more than the average Australian that they no longer need to get life insurance. However, this isn't always the case.

• Insurance Understanding Redundancy

  Today, workers don't have the same job security as previous generations. Gone are the days when people spent their entire lives working for the same company. While it may be easy to dismiss the current situation as the fault of employers, the truth is more complicated than that.

• Income Protection Income Protection Insurance For Your Occupation

  A variety of industries and occupations incur inherent risks. For this reason, insurance companies offer a range of specialized income protection insurance polices tailored to provide specific options and benefits.

• Income Protection How To Calculate Your Income Protection Sum Correctly?

  Before you purchase Income Protection Insurance it is imperative that you have adequate information and fully understand all the significant provisions, and carefully consider the cost of premiums and the total insurance you could derive.

• Life Insurance Asteron Insurance Eliminating Medical Exams

  Asteron Insurance has announced a first to market initiative in eliminating mandatory Medical Exams across its entire range of life insurance products.

• Life Insurance Diabetes and Life Insurance

  If you are diagnosed with type 1 or type 2 diabetes, the most important thing is to manage your health appropriately. Whilst Rate Detective can assist in finding you the most competitive insurance, we recommend also contacting an organisation like Diabetes Australia who can provide advice on managing your health.

• Income Protection Income Protection Claims - Frequently Asked Questions

  In this article we try to answer most common questions about income protection claims. As you know, income protection insurance pays a monthly benefit if you unable to work due to illness or injury.

• Income Protection Crisis Benefits Option With Income Protection

  Usually income protection insurance provides an income stream for you should you become unable to work due to an injury or illness. However even if you are still able to work benefits can be paid to you under the crisis benefits option.

• Income Protection Income Protection Insurance for High Earning Executives

  Up until a while ago high income earners were allowed to insure themselves only for up to $30,000 per month on their Income Protection Insurance Policies.

• Income Protection AXA Upgrades Its Income Protection Insurance

  In a bid to be more competitive AXA Australia recently upgraded it's personal insurance products and it has been income protection insurance products that have seen most significant changes.

• Trauma Cover Trauma Insurance As Adjunct To Life Insurance

  Trauma insurance is often an adjunct to term life insurance policies, in this instance only one payout will be made - either on the trauma or on the death.

• Income Protection Income Protection Insurance For Footballers - At Last!

  Unlike other insurance companies that will offer income protection for footballers with exclusion or a loading, AMP Australia has finally realised the need to offer Income Protection Insurance to amateur footballers without the above clauses.

• Income Protection How To Save On Your Income Protection Premiums

  To save on your income protection insurance premiums only insure for what is required.

• Income Protection Income Protection For The Self Employed

  People who are self-employed in particular, may be putting themselves at financial risk by not having Income Protection Insurance. If you are the business and you are unable to work, what income is available to you?

• Insurance Waiting Period and Benefit Period in Income Protection

  Income protection insurance can provide you with an income if you are unable to work due to sickness or accident. Many policies will cover up to 75% of your salary.

• Income Protection Income Protection For Doctors

  As a doctor it is sensible to consider taking out Income Protection from day one of your career, but as it progresses and your responsibilities and liabilities grow making cover even more important.

• Trauma Cover Trauma Cover Insurance

  Trauma Cover Insurance pays a lump sum in the event of a diagnosis of incurable condition, e.g. cancer, stroke, heart attack, major head injuries.

• Income Protection Income Protection versus Workers Compensation

  Individuals have often questioned the validity of having income protection insurance, especially if their employer provides Workers Compensation cover.

• Insurance Stepped vs Level Insurance Premiums

  When considering to take out a life insurance, income protection or trauma insurance policy you have the choice of how you would like to structure your insurance premiums either through Stepped or Level premiums.