Your hobbies say more to insurers than you think. Find out how everyday pastimes like cycling, AFL, and rally driving can affect your insurance cover. 

Australia’s financial advice industry is in a major transformation. In 2019, there were around 26,500 licensed financial advisers. Fast forward to 2025, and that number has dropped to just under 15,500, according to the Financial Advice Association Australia (FAAA, 2025). That’s a 40% decline in six years. But while the numbers are down, the opportunities for new talent have never been greater. 

Guaranteed Future Insurability (GFI) sounds fancy, but it’s actually a built-in feature in many life, TPD, trauma, and income protection policies. It lets you increase your insurance cover without another round of medical checks, no blood tests, no doctor visits, and no health questionnaires. 

Discover why insurance disclosures matter. Learn how duty of disclosure changed, what counts as a mistake, and how honest answers protect your cover. 

The Compensation Scheme of Last Resort (CSLR) was rolled out in April 2024 after years of recommendations from the Banking Royal Commission. It’s designed to compensate clients up to $150,000 when a financial firm collapses and can’t pay after losing a complaint through the Australian Financial Complaints Authority (AFCA). 

You might have seen “APRA income protection changes” floating around and thought, do I really need to care about this? Short answer: yes, if you’ve got cover or you’re thinking about it. 

Learn how pre-existing conditions affect life insurance cover in Australia. Get the facts on underwriting, exclusions, and insurance payouts. 

Discover key work health and safety statistics in Australia 2024. Learn how injuries, mental health claims, and industry risks affect young workers. 

Let’s be real: insurance claims aren’t exactly pub chat material. But when something major happens, your claim is the difference between bills piling up and actually being able to breathe. And for young Australians, knowing how insurance claims really work is more important than most people think. 

Mental health affects how insurers assess cover, but is it really discrimination? We unpack exclusions, claims data, and what it means for young Aussies. 

If you’re in your 20s or 30s, personal insurance is probably on the same mental shelf as writing your will or learning how to make sourdough—something for “later.” Between rent, bills, and the occasional weekend away, the thought of paying premiums might feel unnecessary. 

NDIS offers services, not income. Learn why NDIS isn’t enough and how personal insurance protects Aussies in their 20s & 30s. 

From trauma cover to group insurance through super, Australia’s life insurance market is unique. Here’s how it compares to the US, UK, Japan, and South Africa. 

There’s $2 billion in unclaimed money in Australia, including life insurance payouts. Here's how to find and claim what might be yours. 

Ever looked at your super and thought, "What the heck is a defined benefit fund?" You're not alone. 

Defined benefit superannuation funds are rare, old-school, and often misunderstood. Unlike your regular super that moves with the market, these funds lock in your retirement payout using a fixed formula. 

Under new ATO rules, you might be able to claim part of your advice fee as a tax deduction. Here’s how it works in 2025. 

If you've got life insurance through your super and a newer retail policy you set up with your adviser, you might be wondering: “Can I actually claim on both?” 

You’re finally getting a Total and Permanent Disability (TPD) payout approved—huge moment. But then comes the curly question: 

Your family medical history can impact your life insurance—but not in the way most people think. If your cousin had heart surgery or your grandpa had diabetes, that doesn’t usually raise red flags. What insurers do look at? Your immediate family: mum, dad, siblings. And whether they had certain health conditions young. 

So, you’re packing your bags, booking that one-way ticket, and living your best life. But hang on—what about your life insurance? Does it come with you?  

Short answer: yes, you can still be covered (whether you're overseas for a holiday or you've moved permanently). But there are some important catches to be aware of.