Plain-English guides for the questions that keep getting put off.
Start with the question you have now. These initial guides are reviewable drafts, written to explain the moving parts without pretending they are personal advice.
Cover in super vs your own policy: the honest comparison
Insurance through super or a policy in your own name? Neither is "better". Here's the honest side-by-side so you know which questions to ask.
superDid your super fund quietly switch off your insurance?
Rule changes between 2019 and 2021 switched off insurance on millions of inactive super accounts. Here's who was affected and how to check in five minutes.
claimsDo life insurers actually pay out? We read APRA's numbers so you don't have to
The regulator publishes claim payout rates every year. Here's what they actually say about death, TPD, trauma and income protection claims.
crossThe EOFY insurance questions everyone Googles in June
Every June the same insurance tax questions spike. The honest answers on deductions, benefits and super, plus the one habit that beats all of them.
superThe five most common myths about insurance in super
Super insurance runs on autopilot assumptions, and five of them are wrong. The myths about cover in super that catch the most Australians out.
claimsWhat "the fine print" actually means: five policy terms that decide claims
Waiting periods, definitions, exclusions, offsets and severity thresholds. Learn these five terms and insurance fine print stops being a mystery.
crossGoing out on your own: insurance questions when you leave a salary behind
Quitting a salary changes your cover in ways nobody mentions at the farewell drinks. What leaving employment can do to your insurance, and what to check first.
lifeHow much life insurance do people actually take out? The method, not a magic number
There's no universal life insurance amount and anyone selling one is guessing. Here's the way of thinking people actually use to land on a figure.
crossWhat actually happens when you talk to an insurance adviser?
A first insurance conversation should make cover types, existing arrangements and next steps clearer. It is not a personal recommendation.
claimsWhat happens during a personal insurance claim?
A personal insurance claim involves policy wording, forms and supporting evidence. This guide explains the usual process without promising an outcome.
crossPDS, TMD and FSG: which document should you read?
PDS, TMD and FSG are different documents. This guide explains what each one is for and why none replaces personal advice.
superHow to find insurance in your super
Your super may include insurance. This quick walkthrough helps you find the cover, premium and terms before assuming default cover does every job.
crossInsurance jargon translated: the A–Z plain-English glossary
Twenty-something insurance terms, each translated into one to three plain sentences. Bookmark it, and the fine print stops winning.
income protectionIs income protection tax deductible? Usually. Here's the catch
Income protection premiums are generally deductible outside super, but the benefits are generally taxed as income. The full picture, in plain English.
lifeLife insurance when you're single with no kids: the honest answer
Maybe you don't need life cover, and an adviser should be able to say so. What actually matters when you're single, and the cover question worth asking instead.
lifeDo you need a medical exam for life insurance? What actually gets checked
Many life insurance applications involve health questions rather than an exam, but it depends. What underwriting looks at, and why honesty is the real test.
crossMental health and personal insurance: what's actually covered these days
How income protection, TPD and trauma cover treat mental health conditions, honestly and without sweeping claims. It comes down to the policy.
crossNew mortgage, new baby, no plan: the cover questions that come with a big year
A mortgage and a baby change what insurance is for. The questions worth checking across life cover, TPD, trauma and income protection, in one honest read.
tpdOwn occupation vs any occupation: the two words that decide a TPD claim
Two nearly identical phrases, two very different claim outcomes. What own occupation and any occupation actually mean in a TPD policy.
crossThe four types of personal insurance, explained in plain English
Income protection, life, TPD and trauma cover have different claim triggers. This guide explains the plain-English difference and what depends on the policy.
crossRenewal letter arrived and the price jumped. Your actual options
A premium jump feels like a decision demand. It isn't. Your three real options, understand, adjust, or talk it through, and the one move to avoid.
crossThe 20-minute cover check-up
A cover review starts with the paperwork and what changed. This checklist helps you prepare for a useful conversation without a personal recommendation.
crossWhy your premium creeps up every year (stepped vs level, explained)
Most insurance premiums rise annually by design, not stealth. Stepped vs level premium structures explained without the jargon or the dollar figures.
superYour super fund may have just put insurance prices up. Here's how to check what you now pay
Several big super funds lifted insurance premiums in 2026. The cost comes out of your balance, so most people never notice. A five-minute check fixes that.
tpdCan you claim TPD for mental health? It comes down to two definitions
Mental health conditions can be the basis of a TPD claim. What decides the outcome is the policy definition and the evidence. A steady walkthrough.
income protectionIf your body is your business: the cover questions tradies keep running into
No sick leave, no desk to retreat to, one body carrying the whole income. The insurance questions tradies and self-employed workers actually face.
traumaTrauma, critical illness, recovery insurance: three names, one product
Trauma, critical illness and recovery insurance are the same cover type wearing different labels. What actually matters is the list inside the policy.
traumaTrauma vs TPD: same aisle, different job
Trauma and TPD both pay lump sums, so people mix them up constantly. The claim triggers are completely different. Here's the plain-English split.
crossThe 20-minute new-year cover check-up
A five-step January check-up for your insurance: what you hold, what it costs, what changed last year, and whether any of it needs a proper look.
income protectionWaiting periods explained: the sick-leave maths most people get wrong
The waiting period decides when income protection starts paying, and what you pay for the privilege. Here's how to think about it properly.
crossWhat happens if you stop paying your premiums?
Missed premiums don't end cover instantly, but the road from grace period to lapse is shorter than people think, and the way back may mean new underwriting.