Insurance, less confusing.
Practical, jargon-free guides on managing Australian insurance: renewals, cover you already have, and the fine print that actually matters.
How much life insurance do I need? (Australia)
There is no single right number, but there is a clear way to estimate it. Here is a simple framework for working out how much life insurance you need in Australia — and why it changes over time.
TPD and trauma insurance explained (Australia)
TPD and trauma both pay a lump sum — but for very different events. Here is how they work in Australia, how they differ from life and income protection, and the definitions that decide whether you get paid.
Income protection insurance explained (Australia)
Income protection replaces part of your income if illness or injury stops you working. Here is how the waiting period, benefit period and premium structure decide whether it actually helps when you need it.
Life insurance inside super vs retail: what's the difference?
Life and TPD cover inside superannuation is common, cheap, and easy to overlook. It's also structurally different from a retail policy in ways that occasionally matter a lot.