Life Insurance

ASSETT CHECK

Policy switch on life insurance is long overdue

Daryl Dixon When it comes to insurance, the benefits of shopping around can be substantial.

Planners divided on life insurance reforms

Ruth LIew Financial planners are split over the impact incoming regulatory changes will have on their life insurance businesses, with some arguing the proposals will deal serious blows to the profitability of...

SUPER

Large funds have life insurance covered

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John Collett Most of us don't have enough life insurance, so it's good that large superannuation funds provide ''default'' death and total and permanent disablement insurance to their members, who otherwise may...

PLANNING

We all have a little life insurance, but most of us need more

retirement

Penny Pryer Insurance companies have been raving about Australia's "chronic" underinsurance problem for decades.

INSURANCE

Pets can cost owners a bundle

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John Collett

John Collett We love our pets but they can cost a fortune. Should your dog or cat suffer a serious illness or accident, you could be left out of pocket to the tune of thousands of dollars.

The last thing to worry about

‘‘I really struggle’’,  says Linda Young who is dying of cancer.

Christine Long Those with terminal illness can now get their super more easily. But there are other issues which need to be faced.

INSURANCE

Funds fear rise of lawyer-led claims

Do you really need legal advice to make an insurance claim on your super fund?

Sally Patten Super funds have grown increasingly concerned that lawyers are becoming involved in claims from an early stage, even before a claim has been knocked back.

LOVE AND MONEY

Financial fix for wedded bliss

Newlyweds Kate and Josh Williams.

Kate Jones Money differences are responsible for more break-ups than cheating, especially in the first year of a marriage. So what are the financial hurdles - and how do you clear them?

OVERSEAS LIVING

Stretched? Try calling Asia home

There's a big world out there.

Colleen Ryan and Stephen Wyatt As the cost of living rises in Australia, many would-be retirees are planning for a cheaper life overseas.

TRAVEL INSURANCE

Credit card travel insurance under the spotlight

John Collett

John Collett Those heading overseas during the upcoming school holidays could be buying travel insurance they do not need.

BOURIS ON MONEY

Don't let finances ruin your marriage – get it right early

Mark Bouris Agreeing on values and plans, paying off debt and communicating can help couples avoid financial stress.

LEGAL EAGLE

No win, no fee – no way?

Clients should make sure they fully understand how a contingent-costs agreement works before signing the dotted line.

David Jay  A lawyer explains what the well-known – and increasingly advertised – pledge really means

HOLD TIGHT

Need a helping hand? Don't get sucked in

 

Christine Long Some financial products that claim to ease your cares can send you even deeper into debt.

TIP OF THE WEEK

How to set yourself some kickable goals

You need to set yourself financial goals.

Dominique Bergel-Grant A tangible financial goal is about more than ideas, dates and numbers. It includes three key elements: your big financial picture, the level of risk you are willing to take and a strategy to protect...

YOUR QUESTIONS

Where could investment property profit find a home?

A well planned strategy can maximise your benefits in retirement from the sale of an investment property.

George Cochrane We're selling up and want to know the best plan for salting away the proceeds.

ADVICE LINE

ASIC's advice register will help to weed out bad apples

Stopping the rot: The register of financial advisers will only be as good as employers' breach reporting and recruitment processes.

John Collett The long-promised national register of financial planners is here at last. It's a good start, but it's not perfect.

ADVICE CENTRE

Financial advice register a winner for consumers

Four planners adversely named in the financial planning scandals at the big banks not listed on the register.

John Collett ASIC's register of financial advisers that went live online this morning has scored some early wins for consumers.

TIP OF THE WEEK

Try not to squander your inheritance

Plan carefully before spending that inheritance.

Alex Berlee Just been left something in a will? Here's what to do next.

CLEVER COVERAGE

Online insurance doesn't come cheap

ASSET MAGAZINE COVER photo TAMARA VONINSKI  generic rain umbrella business man forecast SPECIALX 79335

Back of man in suit with a red umbrella

John Collett When it comes to life insurance, buying directly from the insurer is usually the most expensive route.

PLEASE YOURSELF

Clearing financial hurdles of the single life

Party of one: Gretchen Alt-Cooper is a self employed accountant/company director and has been a single parent for many years.

Barbara Drury Singletons are on the rise. But there's a financial downside to independence. Follow these tips to avoid the poverty trap later in life.