Life insurance australia

Insurance companies often discriminate against mental health conditions – but one company is hoping to remove the stigma by providing help at no cost

This article is sponsored by MLC Life Insurance --> » With one in five Australian adults experiencing a mental health condition, chances are this is a topic that touches your life in some way. And, according to a wide body of evidence, chances are the people in your life experiencing mental health conditions have had trouble getting insurance. Since 2002, organisations like Beyond Blue and the Mental Health Association have tirelessly lobbied for an end to what they say is discrimination against people with a history of a mental health condition by insurance companies. "Beyond Blue believes people with a mental health condition should have fair access to insurance products, to enable...

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Australian Whole And Term Life Insurance Discounted Policies

Australia: The Two Truths Every Family Must Know About Life Insurance T wo surprising discount opportunities reveal that life insurance may be more affordable than many realize. This is the important rule to follow to make sure your family is covered in an accident or tragedy. The first truth is that if you're under 70 years old and don't smoke, you may qualify for two major discounts. By age, these are the average savings for non-smokers: a 51-52% discount for those in their 40s and 50s, a 45% discount for those in their 30s, and a 31% discount for those in their 20s. In addition, it is estimated that there is a 26.5% potential savings by comparing multiple life insurers. There are life...

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Global Indexed juvenile life insurance Market Expert Opinions 2019: Allianz (Germany), Assicurazioni Generali (Italy), China Life Insurance (China) - Top News Herald

Global Indexed juvenile life insurance Market Size, Status and Forecast 2019-2025 presents the fastest developing industry chain structure, growth opportunities, development status of the market. The Indexed juvenile life insurance market report analysis includes market size, upstream situation, market segmentation, price & cost and industry environment, latest trends, revenue analysis, and industry players. In addition, the report outlines the factors driving industry growth and the description of market channels. The large scale adoption of Indexed juvenile life insurance is fueling the rapid expansion of the industry. The report then explores different topics such as product scope,...

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Global Whole juvenile life insurance Market Expert Opinions 2019: Allianz (Germany), Assicurazioni Generali (Italy), China Life Insurance (China) - Top News Herald

Global Whole juvenile life insurance Market Size, Status and Forecast 2019-2025 presents the fastest developing industry chain structure, growth opportunities, development status of the market. The Whole juvenile life insurance market report analysis includes market size, upstream situation, market segmentation, price & cost and industry environment, latest trends, revenue analysis, and industry players. In addition, the report outlines the factors driving industry growth and the description of market channels. The large scale adoption of Whole juvenile life insurance is fueling the rapid expansion of the industry. The report then explores different topics such as product scope, product...

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Annual renewable term life (ART): Is it worth it?,

Typically, term life insurance offers coverage for a set number of years. With annual renewable term (ART), you’re basically buying a new policy each year — but it can get very expensive. What is annual renewable term life insurance? Annual renewable term life insurance is a one-year policy that your provider guarantees to renew each year for a set number of years. This is known as the “insurability period.” During that period, you’ll be able to renew your coverage without reapplying or taking another medical exam. How does annual renewable term life insurance work? ART policies are designed to cover short-term needs. They work just like traditional term...

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More awareness needed around insurance inside super, Super Review

Life insurer, MetLife Australia, has called the industry to work together closer to drive member engagement and increase awareness of the insurance cover Australians have through their superannuation funds. According to MetLife’s new research, ‘MetLife Insurance Inside Super Report’, almost 40 per cent of members were unaware that they could modify the level of cover they had inside super. Further to that, the study revealed that over half of those who increased their insurance inside super were prompted by a life event such as buying a house, following a recommendation from a financial adviser or following communication from a superannuation fund. At the same time, the research proved that...

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Recent update on retail life insurance reforms and developments in Australia, Ashurst

Corporations Amendment (Life Insurance Remuneration Arrangements) Act 2017 On 9 February 2017, the Corporations Amendment (Life Insurance Remuneration Arrangements) Act 2016 (the Act) was finally passed through both houses of Parliament and on 22 February 2017, received Royal Assent and became law. The introduction of the Act was partially resultant from the 2014 ASIC Review of retail life insurance which found unacceptably high instances of poor quality life insurance advice being provided to consumers, largely due to high upfront commissions. The Act is intended to address this issue by reducing the monetary incentive for financial advisors to solicit consumers into new life insurance...

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AMP could hold the keys to the future

If you want to see what the future of financial planning might be in Australia, you don’t have to go any further than AMP (ASX: AMP). Since 1849, AMP has been almost a byword for life insurance and investment in Australia but more recently, thanks to the Hayne Royal Commission, AMP has been in the headlines for all of the wrong reasons. The company that is still perhaps our best-known investment name added some really unwanted baggage to its proud history such as massive compensation payments, a history of providing no service for fees and then telling lies to the regulator about ending the practice and paying compensation and charging a raft of fees including grandfathered trailing...

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Insurers strike out at Canberra policy, Investment Magazine

The viability of group life insurance was firmly in the spotlight at a recent conference with insurers launching a stinging attack on the impending regulatory changes which threaten to reduce cover for vulnerable Australians. The Putting Members’ Interests First Bill requires super funds to offer life insurance on an opt-in, rather than opt-out basis, to members under the age of 25 or with super account balances less than $6,000. AIA Insurance chief Damien Mu warned that Australia was in danger of creating an “insurance underclass” of workers who will find it hard to get coverage. “This is not about saying people should have cover under 25 years of age or must have cover under 6,000,’ he...

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Former TAL boss appointed as CEO of Zurich s life and investments business, Insurance Business

Zurich Financial Services Australia has appointed Justin Delaney as CEO of life and investments, succeeding Tim Bailey, who is returning to Europe to take up another role within the Zurich Group. Delaney will commence the role in December, bringing nearly 25 years of experience in the Australian financial services industry, most recently as COO for TAL’s life insurance business. Prior to that, Delaney held senior roles for more than 12 years with the Macquarie Group, where he oversaw the creation and growth of Macquarie Life, as well as leading its platforms, superannuation, and online broking businesses. Delaney joined the Australian business from Zurich’s Group head office in...

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