Caught short: Income protection complaints
When you are ill or injured badly enough that you are unable to work, the stress mounts with the bills that don’t stop just because you have. And you certainly won’t have the time or energy to make income protection complaints if you believe your insurer isn’t doing the right thing.
Fail safe: What income protection does not cover
While insurance provides some comfort should you be injured or too sick to work, it is important you understand what income protection does not cover as much as what it does.
Work cover: Is income protection worth it?
Have you thought about what would happen if illness or disability suddenly prevented you from working, even in the short term? Most Australians would struggle to meet ongoing obligations, which is why many decide income protection insurance is worth the expense.
Life insurance versus funeral insurance: What’s best?
Insurance is a safety net for our families as much as it is for us, particularly as we age. If you're weighing up life insurance versus funeral insurance, it's important to look at them in relation to your personal circumstances.
Funeral insurance for seniors
Funeral insurance is one way to ensure your loved ones are not left with a big expense at a time when they are already vulnerable.
Get a grip on the driveaway price
We have all seen the glossy car ads trumpeting the driveaway price or “drive away, no more to pay”. Dealers typically promote these packages when they are looking to shift greater volumes or make way for next year’s stock.
But what does this sales pitch actually mean? Does the driveaway price include stamp duty? What about if you want to add accessories? Do you have to pay for insurance separately?
Don’t get caught by a dodgy car salesman
The last thing anyone needs when looking for a new vehicle is a dodgy car salesman. A car is an expensive purchase for most people, so you want to ensure you are getting what you pay for.
Mixed results: Superannuation and life insurance
If you have superannuation, then it is likely you also have some form of super life insurance. By law, it is compulsory for all employer super funds to provide members with life insurance and total and permanent disability (TPD) insurance. The level of cover, however, will vary depending on your fund and your circumstances.
Understanding life insurance exclusions
When you take out a safety net, you want to ensure there are no gaps, so it’s important to understand any life insurance exclusions that might apply to your policy.
What are my rights to a deposit refund?
You have made a deposit on an item or service in good faith but circumstances mean you can no longer go through with the sale. Are you entitled to a deposit refund under Australian Consumer Law?