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Archive for the ‘Personal Insurance’ Category

What is Underwriting and Why is it Important? Underwriting is the process of determining an applicant’s risk level and this process helps insurers understand if the applicant should be given an insurance plan or not.  Underwriting is very important mainly because, the underwriting process determines if the applicant can get life insurance or not. In […]

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Basics of income protection insurance plans Income covers provide a benefit payment along with add on perks to the policy holder when he files a claim for health problems such as illness or disability. The basic benefit payment is a maximum compensation payment of 75% of the policy holder’s annual gross income. Claims are accepted […]

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Two Types of Life Insurance Plans to Choose From There are a wide range of life insurance products available to Australian buyers and each of these covers offers different types of benefits. While both income protection insurance plans and personal accident insurance plans are meant to help you get financial relief when you suffer from […]

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3 Benefits of Income Protection for Teachers A basic compensation payment can be expected by teachers, professors and other staff personnel who are eligible to purchase this type of insurance plan. The basic compensation payment provided by the insurer can be a maximum of 75% of the annual gross income of the teacher; however the […]

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What is Life Insurance and What Benefits Can I Get? Life insurance is a broad term used for 5 or more types of personal insurance plans. Some of the popular life insurance plans sold by Australian insurers include, term life covers, income protection insurance plans, total permanent disability insurance plans, trauma insurance plans and personal […]

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Can I Purchase Protection Insurance if I Have Diabetes, Hypertension or Heart problems? Yes, you can purchase income protection insurance plan if you have a family history or medical history of diabetes, hypertension, cardiac problems or other health issues. Buyers with pre-existing health conditions are eligible to purchase both basic and comprehensive plans from reputed […]

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Does Life Insurance Protect People Against Natural Disasters? Although it is possible to partially prepare yourself for natural disasters such as cyclones, earthquakes and floods by keeping adequate supplies in your store room; it is important to have additional protection in case your house is damaged or you are left financially unstable due to such […]

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The Need for Insurance Term Life Insurance plans are a must for all families in Australia especially those families with young children, older parents or dependants. Income insurance plans are a must for those families in Australia who want to ensure financial stability even when the primary bread winner of the house is temporarily on […]

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In the year 2012, a report was created to help advisors and insurers understand the top drivers for the insurance industry. CoreData’s reports listed the 15 most important drivers of satisfaction amongst the Australian insurance advisors and puts customer focus as the most important driver on this list. While referring to this list, the customer […]

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How Much Insurance Cover Should I Purchase and Why? Since a person’s insurance needs are based on his current financial standing and his future needs, buyers must make it a point to ask their insurance advisor how much cover to purchase and why? It is important for the buyer to understand the reasoning for the […]

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