M Marginal Tax Rate (MTR) The rate of tax payable on the top proportion of income derived by a person –Website www.ato.gov.au Monthly Benefit The amount payable monthly to the insured under an income protection policy – more info Mortality Table An Actuarial calculation of expected number of deaths each year from the number of ...
Have a read of our top tips when considering life insurance. Buy early when you are healthy and insurable Take a long term view – consider level premiums Insure your key asset – your income producing capacity Lifestyle changes can improve your premiums – reduced BMI (Body Mass Index), giving up smoking (smokers premiums can ...
This simple question can often be the most difficult to answer. Many people understand that their age, occupation and smoking status are taken into account when determining their insurance premiums, but are confused as to why premiums can vary, often significantly, depending on gender. Here’s some key points why premiums differ due to gender. Life ...
We are offering 20% discount for the month of September when you both take out an insurance policy. Insuring both parents makes alot of sense, as illness does not discriminate. You also recieve additional discounts from insurers when you apply together. With couples policies – the whole family is covered. Have you got the whole ...
Daffodil Day is one of Australia’s best known fundraising events, and this year, on 26 August, Daffodil Day will celebrate its 25th anniversary. Funds raised are vital to help support the Cancer Council’s research, prevention and support services for patients and their families. Did you know that? The daffodil is recognised as the international symbol ...
We are offering 20% discount for the month of August when you take out a trauma policy. Trauma cover gives you the cash at a traumatic time which allows you to make informed descisions about the treatment options available.Every household could benefit from $50,000 at a time when income may have stoppped. With trauma policies ...
Zurich has a longstanding commitment to providing the most innovative risk solutions and outstanding value. Zurich are delighted to be able to announce that from 15th July 2011, the Death and TPD cover will represent even better value, as they release a new stepped rate structure. Who do these lower rates apply to? These rates will apply ...
If you are an employee working for a large company or have a government job, you will probably be enrolled in an excellent superannuation fund which has built in life insurance, total and permanent disablement cover and income protection cover. However, there will not be any critical illness / trauma insurance coverage built in. Why? ...
You can structure your premiums in one of two ways when taking out life insurance: stepped or level premiums. Stepped premiums are linked to age so the premium rate increases, or ‘steps-up’, each year in line with risk. Level premiums generally remain fixed throughout the duration of your policy, however, unlike stepped policys ...
You save time by getting your quotes online instantly! We have a unique online comparison tool. It compares life insurance costs across Australia‘s 10 major insurance companies. It also provides you with a rating of the features of each policy and a value for money rating. It only takes 6 easy steps to have all ...
Good news for all AIA policy holders!! If you hold a life insurance policy with AIA, you are automatically provided with access to a new service called WeCare. AIA Australia recently launched a new range of free life support and counselling services for all Priority Protection policy holders, called WeCare. The WeCare services include: Counselling ...
Apply for income protection in the month of June and you will receive a 20% discount** on the premium you pay! When you combine this saving with the tax deduction you can claim for your income protection premium it makes it easy to purchase. ** This one off payment is rebated to you after 13 months ...