All guides

The APRA individual disability income insurance reforms explained: the end of agreed value, 70% income caps, 12-month income tests and stricter tests after two years.

When income protection premiums are tax-deductible, what is not deductible, how bundled and super policies are treated, and the real after-tax cost worked out.

Compare cover through your super fund with retail life, TPD and income protection policies on cost, definitions, tax, underwriting and who receives the payout.

What life, TPD, trauma and income protection cover pay, how premiums are set, how cover in super differs from retail policies, and the 2026 rules to check.

How Protecting Your Super and Putting Members' Interests First switch off default insurance in super, the exceptions, and how to opt in to keep cover.

How stepped and level premiums work for Australian life, TPD, trauma and income protection cover, with a 30-year illustrative cost comparison and break-even point.

How TPD definitions work in Australia, why own occupation cover is not allowed in super, activities of daily living tests, and what to check before you claim.

The factors that set an income protection premium, from age and occupation class to waiting period, benefit period and options, with an illustrative comparison.

How life and income protection underwriting works in Australia, what insurers ask, loadings and exclusions, genetic tests, cooling-off, and a checklist before you apply.

Choose an income protection waiting period from your sick leave and savings, and a benefit period from the claims that hurt most, with worked arithmetic.

A step-by-step method to compare Australian life, TPD, trauma and income protection quotes like for like, with a worked comparison and the quote tool.

Work out how life, TPD and income protection premiums deducted from super reduce your retirement balance, including lost earnings, with worked examples.

Calculate how much life cover you need using debts, final costs, income replacement, children's costs, super and existing cover, with a full worked example.

Work out a TPD sum insured from debts, care and home modification costs, lost income and existing cover, and how TPD fits with income protection and the NDIS.

What trauma (critical illness) insurance pays, why it cannot be held in super, how it differs from income protection and TPD, and a worked cost-benefit example.

How death benefits, TPD lump sums, trauma and income protection benefits are taxed, inside and outside super, with worked examples for dependants and adult children.

How to take a life, TPD, trauma or income protection dispute to AFCA: internal complaints first, time limits, what AFCA can decide, and a step-by-step plan.

How the duty to take reasonable care not to make a misrepresentation works for Australian life insurance, what insurers can do if you breach it, and the 3-year rule.

How income protection benefits are reduced by workers' compensation, transport accident payments, sick leave, other cover and Centrelink, state by state, with arithmetic.

Step-by-step guide to claiming on life, TPD, trauma and income protection cover in super or retail, what evidence to gather, timeframes, and how to complain.

What the Life Insurance Code of Practice covers in Australia, the claims, underwriting and vulnerability standards, how it is monitored, and how to use it in a complaint.

The common mistakes with life, TPD, trauma and income protection cover in Australia, from lapsed super cover to cancelling too early, with what each one costs.