FS Advice - Insurance Articles

Insurance Articles

Income protection and the economic cycle

GREG MARTIN | Comments | FRIDAY, 1 MAR 2019

Discontent is engulfing the retail income protection insurance sector. This is not surprising given income protection claims have doubled in the last ... Read more

Disruption in insurance

DANIEL BIONDI , PAUL CRONIN | Comments | FRIDAY, 14 SEP 2018

Insurance has long been viewed as a relatively stable offering within the financial services sector. Traditionally, people paid their premiums on a ... Read more

Life insurance in Australia (Part 2)

NOBLEOAK LIFE INSURANCE | Comments | FRIDAY, 2 MAR 2018

The traditional decision making models of 'needs awareness', 'information search', through to the 'purchase decision' is fast ... Read more

Life insurance in Australia

NOBLEOAK LIFE INSURANCE | Comments | FRIDAY, 23 FEB 2018

For the second year running, NobleOak has commissioned research to identify customer trends and behaviour in the life insurance and wider financial ... Read more

Genetics: A testing time for insurers?

JESSICA CHEN , ALAN DOBLE | Comments | FRIDAY, 10 NOV 2017

Genetic Testing and Insurance Knowledge of the implications of genetics on human health has continued to evolve rapidly since the first mapping of the ... Read more

Part II - Life insurance: The case for change

ANZ WEALTH | Comments | FRIDAY, 3 NOV 2017

Focusing on health and wellbeing THE CHANGING FACE OF WELLBEING New technologies and social trends are redefining approaches to healthy living and ... Read more

Part I - Life insurance: The case for change

ANZ WEALTH | Comments | FRIDAY, 27 OCT 2017

Trust in insurance has been eroded PUBLIC CONFIDENCE IN LIFE INSURANCE HAS DECLINED Over the past few years, a spate of highly publicised incidents of ... Read more

Super reform: implications for holding life cover through super

STUART SHEARY | Comments | FRIDAY, 22 SEP 2017

The recent super reform changes makes it an opportune time to revisit how life cover in super should be funded as well as how it should be paid to ... Read more

Life Insurance Megatrends: 10 trends reshaping the industry

DAVID LOADER | Comments | FRIDAY, 13 JAN 2017

Life insurance plays a vital role in the modern life, supporting people during difficult time. But despite the social good that stems from it, the ... Read more

Tax considerations for owning TPD policies inside or outside superannuation

RAHUL SINGH | Comments | FRIDAY, 14 OCT 2016

Prior to 1 July 2014, when considering total and permanent disablement (TPD) insurance, advisers typically considered the advantages and disadvantages ... Read more

Life Company of the Year Awards

DARREN SNYDER | Comments | FRIDAY, 4 MAR 2016

The Art Gallery of New South Wales was the scene of this year's gala dinner for the PFL/AFA PFL/AFA Life Company of the Year for ... Read more

The art of underwriting in the automated age

DARREN O'CONNELL | Comments | TUESDAY, 3 NOV 2015

This edition of the Suncorp Group's Insurance Insights white paper series will argue that human judgement and intuition is still as important as it ... Read more

The advice challenge - Understanding what clients value

REBECCA SHEILS , ADAM TUCKER | Comments | THURSDAY, 11 DEC 2014

For advice to be truly effective, advisers must become proficient at identifying which segment their clients fall into and then know how to deliver on ... Read more

Insurance Product Replacement Advice - A Case in Point

TREVOR HARRIS | Comments | THURSDAY, 10 JUL 2014

his court case is something all risk writers and financial planners should acquaint themselves with. The human story behind the case also appeared on ... Read more

Apathy to action

JOHN BROGDEN , DAMIEN GREEN | Comments | THURSDAY, 10 JUL 2014

To motivate behavioural change, insurers need to create tangible triggers: events or rewards, not fear and peace of mind. They need to use important ... Read more

Insurance and superannuation: are you prepared?

JEFFREY SCOTT | Comments | TUESDAY, 25 MAR 2014

Insurance in superannuation will have significant changes over the next 12 months and we examine carefully three of these changes to help you prepare ... Read more

Using trauma proceeds to top up income protection

STEPHEN MILLER | Comments | WEDNESDAY, 3 APR 2013

There is scope to use a trauma policy to pay an NCIS under the temporary incapacity condition of release. ... Read more

Business insurance trust

ALEXIS KOODRIN | Comments | WEDNESDAY, 3 APR 2013

The use of business insurance trusts has a number of commercial advantages over conventional structures, including potential substantial cost ... Read more

Business Insurance Trust

ALEXIS KOODRIN | Comments | TUESDAY, 15 JAN 2013

The use of business insurance trusts has a number of commercial advantages over conventional structures, including potential substantial cost ... Read more

Weathering the storm – The Australian dollar in a post – GFC world

ROGER BRIDGES | Comments | THURSDAY, 1 MAR 2012

The global financial crisis (GFC) may have proved to be a turning point for the Australian economy and the way the Australian dollar (AUD) trades in ... Read more

Squeezing the lemon: driving insurance profits in the new investment landscape

GRAHAM HARMAN | Comments | THURSDAY, 1 MAR 2012

This paper looks at ways to "squeeze the lemon", and to work your asset portfolio harder. We clarify the mechanisms by which developments ... Read more

Guaranteed future insurability options

ANQING LIN | Comments | MONDAY, 5 DEC 2011

Life insurers in Australia typically offer a guaranteed future insurability (GFI) feature as part of their lump sum risk product range. This papers ... Read more

Trends in Mental and Nervous Disorder Claims

MARCUS CHENG | Comments | MONDAY, 5 DEC 2011

This paper assesses the current state of the life insurance market in Australia and looks at the different factors that impact on an individual's ... Read more

Income Protection in Super – what are the advice issues?

JONATHAN DE FRIES | Comments | MONDAY, 5 DEC 2011

There's some debate and concern in financial advice circles about holding income protection insurance (IP) inside super. Following a favourable ... Read more

Economic cycles, financial shocks and life insurance

YONG JIAN KHOO | Comments | THURSDAY, 17 NOV 2011

Life insurance serves various purposes, such as mitigating the financial impact of adverse events such as death or disablement; providing a means of ... Read more

Risking everything

RICHARD KLIPIN | Comments | THURSDAY, 17 NOV 2011

The focus of the Risking Everything research, conducted by CoreData on behalf of the Association of Financial Advisers, is to investigate in a more ... Read more

Life insurance through super - optimising clients' incomes

TIM SANDERSON | Comments | MONDAY, 1 AUG 2011

This paper, Life insurance through super - optimising clients' incomes, examines considerations for an adviser when assessing life ... Read more

Insurance in Superannuation – A potentially dangerous opportunity

STEPHEN GRAHAM | Comments | MONDAY, 27 SEP 2010

According to recent Lifewise / NATSEM research, 95 per cent of Australian families don't have adequate insurance cover. This dramatic level of ... Read more

When insurance cover unearths unexpected 'value-add'

MARK STORY | Comments | MONDAY, 27 SEP 2010

What comes first, the insurance cover or the underlying business succession strategy? As Melbourne-based company directors discovered by default - no ... Read more

Insights into the Australian Life Insurance Sector

PHILIP FOURIE | Comments | SUNDAY, 10 MAY 2009

In an attempt to better understand the Australian life insurance sector, Fintechnix identified 28 thought leaders in the sector and asked them to share ... Read more

The Insurance Opportunity

MARK PATTERSON | Comments | THURSDAY, 14 JAN 2010

Once upon a time, insurance lived in the realm of specialist risk advisers only. Today, through innovation, new technologies and necessity, insurance ... Read more

Insurance Bond Master Funds

ROSS HIGGINS | Comments | SATURDAY, 10 JAN 2009

When Ross Higgins joined Austock, he was asked to develop a new type of Insurance Bond. As Ross points out the Insurance Bond market has been moribund ... Read more

What does your Income Protection Policy Offset Clause say?

HELEN MENTIPLAY , PETER RIDDELL | Comments | SATURDAY, 10 JAN 2009

Helen Mentiplay and Peter Riddell are lawyers at TurksLegal. In this paper they explore the implications on income protection policies of a 2008 NSW ... Read more

Key person insurance: Who needs it?

MARC FABRIS | Comments | TUESDAY, 1 JAN 2008

Ask the average small business owner whether they insure their key people and they'll probably look at you blankly. That's because less than ... Read more

Professional indemnity insurance, internal compliance and AR agreements

JIM BULLING | Comments | TUESDAY, 1 JAN 2008

During bear market periods, anyone in the business of giving financial advice is in a position of greater risk from clients who end up with ... Read more

Protecting a small business using insurance

JONATHAN DE FRIES | Comments | FRIDAY, 22 MAY 2009

Jon de Fries argues that "well-structured business insurance helps keep your business functioning and protects the value of your business in the case of ... Read more

The insurer's claims management dilemma

ALEX WAGNER | Comments | FRIDAY, 22 MAY 2009

Alex Wagner is the claims manager at Zurich. In this paper Alex shows that insurers assess claims under the spotlight of two competing objectives - the need ... Read more

Latest News


FPA, AFA partner on life insurance KANIKA SOOD The key financial advice associations have teamed up for a life insurance taskforce as the industry inches towards ASIC's review of the life insurance framework slated for 2021.	Approved diplomas, bridging courses confirmed JAMIE WILLIAMSON The Financial Adviser Standards and Ethics Authority announced the first raft of current and historical graduate diplomas and bridging courses to be approved by the body.

DomaCom launches senior equity release product ELIZABETH MCARTHUR The ASX-listed investment platform has released a first of its kind senior equity release product for Australia, targeting financial advisers working with clients over 60.	CBA sells advice dealer group JAMIE WILLIAMSON Commonwealth Bank is offloading Count Financial to CountPlus for $2.5 million.

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For financial advisers the winds of change were blowing prior to the establishment of the Royal Commission into Misconduct in the Banking, Superannuation ...

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