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.
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.
Making a pet insurance claim
If you’ve been paying your premiums on time, it is reasonable to expect a pet insurance claim to go smoothly. But while many pet insurers now offer convenient online claims, it doesn’t guarantee that your bill will be fully—or even partially—covered.
The lowdown on pet insurance
Pet insurance, much like private health insurance, acts as a safety net – providing financial protection in case your furry friend faces unexpected health issues.
Have you had your home insurance claim rejected?
No homeowner wants to receive a letter or email with the subject line ‘home insurance claim rejected’.
But it is a very common experience, judging by the number of complaints to the Australian Financial Complaints Authority (AFCA). Chief Ombudsman David Locke said complaints about general insurance, including home and car insurance, were at a record high for the second year running in 2023-2024.