Archive | Insurance

insurance premiums

The risks of dropping personal insurance

The way insurance payments are made can have a significant impact on the overall cost of personal cover, and knowing future premiums helps manage the risk of losing insurance when most needed.

PX-hands-puzzle-joining

A tax-effective complement to super

Superannuation’s current tax benefits are far from certain given the government’s need for more revenue. Changes are likely to increase the competitiveness of investment bonds (sometimes called insurance bonds).

children

Ensure your children are insured

Serious illness is something we think will happen to somebody else and insurance, like making a will, is easy to put off. It’s only when the problems start that we realise it’s too late to do anything about it.

Why we overlook lifetime annuities

Lifetime annuities have some attractive features but remain neglected by most retirees. There are rational reasons for this, which the annuity industry has to overcome if the product is to address more longevity worries.

Why academics like lifetime annuities

Life annuities should be beneficial to rational decision-making individuals in retirement, yet in Australia the number of life annuities purchased remains small, albeit with some nascent signs of growth.

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