Insurance Guides

Trauma Cover Trauma Cover inside a Super Fund
Since new legislation came into operation on July 1st 2014 trauma cover can no longer be held inside a super fund.
What is Life Insurance?
Nothing in life is certain, but this shouldn't prevent anyone from enjoying it. The key here is to minimise your risk and ensure that your family is well provided for should you die. This is where life insurance comes in. It gives your loved ones the protection that they need in case of an emergency.
TPD Insurance The Basics of Total and Permanent Disability Insurance
We all work to provide for our basic needs and that of the people who depend on us. But what if one day you're robbed of your ability to work due to an illness or injury?
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.
Funeral Insurance & Funeral Cover In Australia
Funeral Insurance (or Funeral Cover) is an insurance policy which is used to cover all the costs associated with ensuring that you have the funeral and associated items paid for, without burdening your family members.
Life Insurance No Medical Exam Life Insurance
When you applying for life insurance usually you required to take a simple medical exam. If you don't wish to go through the inconvenience of medical tests or you want to get life insurance fast you can opt for a life insurance with no medical exam.
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.
Life Insurance Mortgage Protection Insurance
Mortgage Protection Insurance is a simplified life insurance product which is designed to pay off a fixed amount of money owing on a mortgage in the unfortunate event of a serious illness or death of the borrower.
Life Insurance The Role of an Advisor
Most people feel that an insurance advisor will persuade them into buying something that they don't really understand or want, and maybe paying more for their life insurance than they need to.
Life Insurance Who can own an insurance policy?
The policy owner - The person whose name the policy is in and to whom the benefits will be paid. In the event of your passing the people designated in your policy will receive the payout or otherwise it will go to your estate.
Life Insurance How Life Insurance Is Assessed?
Life insurance works by determining the health, lifestyle and the risk of the insured in order to determine the premium to pay for the insurance policy. Life insurance premiums usually can be paid monthly or annually.
The RD Guide To The 2009 Australian Federal Budget
Treasurer Wayne Swan is scheduled to deliver the 2009 Federal Budget tonight, Tuesday 12th May, at 7.30PM. This will be one of the most significant budgets in recent history.
Mobile phone contracts fact sheet
You can choose from many types of mobile phone services, depending on your needs. In some cases, for example pre-paid services, you do not need to sign a service contract. For others you need to sign a contract that may run for up to two years or longer.
Mortgage Insurance
When it comes to "mortgage insurance" there are usually 2 interpretations.
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.
Life Insurance Types of Life Insurance, Life Insurance Policies
There are 4 main types of Life Insurance however only term life insurance is widely available in Australia.
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.
TPD Insurance Total and Permanent Disability Insurance
Have you ever thought what would happen to you if you became permanently and totally disabled? Would you be able to meet your financial and family commitments and maintain the quality of life you and your loved ones currently enjoy?
Life Insurance Term Life Insurance is Cheap Life Insurance?
"Term Life Insurance" has become a popular form of life insurance because policy holders are covered for large benefits, in the case of death, relative to the premium that is paid.
Trauma Cover Trauma Cover
Many thousands of people are diagnosed with serious illnesses each year and many more suffer serious traumatic injuries which completely change their lives this also includes financially. Trauma cover is applicable if you encounter one of approximately 35 conditions.

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