life insurance

1. 14 July 2016

   Mortgages are red herrings when it comes to level of life insurance cover

   Life insurance advice is almost cliche: if the client dies, they want the mortgage paid off. That's often the start and end of the conversation. But the mortgage is a red herring. The real question is…

2. 10 October 2015

   Insurance is a foundational risk management tool. But like any tool, it doesn’t cover all contingencies

   I'm a huge advocate of most forms of insurance — general insurance for the house, contents, and car; personal insurance for life, income, total and permanent disability, and trauma. It's a foundationa…

3. 6 February 2015

   Do ALL people need life, trauma, TPD, or trauma insurance? No. Do MOST people need insurance?

   Do ALL people need life, trauma, total and permanent disability, or income protection insurance? No. Do MOST people need insurance? Yes. These policies are typically about making sure the people who d…

4. 15 December 2014

   What are the odds?

   If you're in your late twenties or thirties, the odds that you'll die in a given year are very low — less than 0.15% for men, less than 0.07% for women. Pretty good odds. But in a group of 300 friends…

5. 7 December 2014

   A will by itself is not an estate plan or succession strategy

   A will is only one piece of estate planning — and often a small one. Superannuation, jointly-owned property, life insurance nominations, and trust assets often bypass the will entirely. Plan the whole…