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Income Protection Insurance

A common misconception about insurance is that you only have to take out a policy once and forget about it. And while that certainly is an option, it could expose you to the risk of slipping through gaps in your insurance coverage that you didn't account for. In contrast, making an effort to frequently review your insurance policies allows you to evaluate whether your present coverage is sufficient or if other insurance products cater to your evolving needs. This ensures that both you and your loved ones are adequately protected if the worst were to occur. With that in mind,..
Accidents and illnesses can occur at any time - but for skilled tradespeople, who frequently work in dangerous environments, they're more likely to occur than for other professionals. Whether it's working with power tools and machinery or at great heights, or around large, fast-moving vehicles or handling hazardous materials, the risk of injury and/or illness is ever-present. With this in mind, it's important for tradies to consider how they'd be able to afford their monthly outgoings, and, where applicable, support their family, in the event they became seriously injured or ill – and unable to work. In this post, we..
How will you earn an income if you're afflicted with an injury or illness that leaves you unable to work for an extended period? In this post, we look at income protection policies for sole traders and how they safeguard your income if you get hurt or sick.
Let's take a look at self-employed income protection and why you should take out this type of insurance policy if you're one of Australia's 2.2 million self-employed people.
When first hearing about the idea of income protection insurance, many people wonder how it differs from life insurance. Subsequently, individuals who already have a life insurance policy question whether they also need an income protection policy. In most cases, the answer to that would be a yes. This is because the primary purpose of taking out life insurance is, in general, to protect your loved ones in the event of your premature death - as they are financially dependent on you. Whereas, conversely, income protection insurance is typically taken out to protect your own ability to earn an income,..
There's a good reason doctors and other medical professions are among society's most revered and respected occupations. They heal, care for us, and help us navigate many of life's uncertainties. However, between working long hours and consistently making decisions that can literally mean the difference between life and death, a medical professional's job can be extremely stressful. According to The Medical Journal of Australia, research has shown that 32% of doctors in Australia have reported high levels of emotional exhaustion.   The nature of their job means that doctors are more prone to mental burnout, in addition to the increased risk of..