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Showing category "Life Insurance" (Show all posts)

Emma's Story

Posted by Naomi Rosenthal on Sunday, October 25, 2015, In : Life Insurance 
Australia’s underinsurance problem is well documented and widely discussed.

But only when we put a human face to this phenomenon does all the talk start to become meaningful.

This video tells the story of Emma Bright, who just a short time ago, had the world at her feet, before tragically losing her husband in a motorcycle accident, and being left to raise their young son alone. 

Although Emma and her husband had some life cover in place it wasn't enough.

With the right insurance in place, Emma...

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Why DisabilityCare is no replacement for life insurance

Posted by Naomi Rosenthal on Monday, July 21, 2014, In : Life Insurance 
When the concept of the DisabilityCare scheme (formerly known as the NDIS) was first announced by the Government, concerns were raised about the impact that it may have on people’s attitude toward life insurance.
It is clear that there is confusion about the scheme – what it is and what it is not.
[Click here] to find out what it covers and why life insurance is still important.

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Direct Insurance

Posted by Naomi Rosenthal on Thursday, May 22, 2014, In : Life Insurance 

Why it pays to NOT go direct for your insurance

 

[I have used the terms adviser, agent and broker synonymously]

All the insurance ads you see on TV are either for general insurance (I can't seem to get that NRMA tune out of my head!) or for direct life insurance (e.g. insurance line, real insurance).

Insurance products that you can only get via a qualified life insurance adviser are not advertised. I don't know why, perhaps we do such a great job for the insurance companies they don't need to ad...


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Want to be rewarded for getting fit and healthy?

Posted by Naomi Rosenthal on Monday, March 24, 2014, In : Life Insurance 

Since November last year I've been on a journey to better health and fitness. Back then I started fitness training and I've been consistently attending a few days a week since. Loving it! Also, with the move to our new office in North Sydney, I now have a 40 minute round trip walk each day to and from the train station.

In January I transformed my diet, cutting out 80% at least of sugars, white foods (bread, potato, rice, pasta etc) and dairy and substantially increasing my intake of vegetab...


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Budget Booster - Affordable Insurance for the long term

Posted by Naomi Rosenthal on Tuesday, March 18, 2014, In : Life Insurance 
Along with working to an older age, more people are leaving it until later in life to get married and have children, and so insurance is not only an important risk mitigation, but affordability of premiums in the long term will be critical.

How can you ensure you maintain your valuable insurance for as long as you need it and keep it affordable? [Click here] to find out.

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The Facts of Life

Posted by Naomi Rosenthal on Thursday, February 6, 2014, In : Life Insurance 
This cleverly animated three minute film features insurance-related statistics from birth to death and all the times of life in between. It is a thought provoking reminder of the fragility of life and the importance of protection.
http://youtu.be/KFc2BtGDqTc


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Budget Booster - Protecting your most precious assets

Posted by Naomi Rosenthal on Wednesday, January 29, 2014, In : Life Insurance 
It’s second nature to any parent – protect our children at any cost. Despite our best efforts, they are still vulnerable to illness or injury. It’s not an easy question to ask yourself but what would happen if your child suffered a serious illness or accident?

[click here] to read how you can protect your family from the financial consequences of a serious illness or injury.
Continue reading ...
 

How to "Benefit to Age 65"

Posted by Naomi Rosenthal on Wednesday, November 13, 2013, In : Life Insurance 
We encourage our clients (particularly the younger ones) to take a “benefit period to age 65” for their Income Protection policy. But what does this actually mean?

While this is common vernacular, it is actually a little misleading, as generally a policy will only pay until the policy expiry date, which may be age 65 or it may be the policy anniversary prior to or after age 65.

Some years ago, we had arranged for a client to receive an Income Protection claim. After years of abuse to hi...


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How to protect your biggest asset and save money

Posted by Naomi Rosenthal on Wednesday, December 12, 2012, In : Life Insurance 

Your biggest asset is your ability to earn an income. I talk about this a lot because I’m passionate about ensuring you have the right foundations in place for peace of mind and financial security. If you couldn’t work tomorrow because of injury or ill health, how long would your financial resources last? Would you want to end up reliant on government support? It’s not a lifestyle I’d want and it’s not a lifestyle of choice for most people.
There is a perception that protecting your ...


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I Heart Pink - Have you or someone you know been impacted by breast cancer?

Posted by Naomi Rosenthal on Thursday, October 18, 2012, In : Life Insurance 

Breast Cancer Awareness Month

Did you know that breast cancer is the most common cancer among Australian women? It affects nearly 13,000 females a year and accounts for nearly a third of all female cancer diagnoses[1].

A breast cancer diagnosis can devastate a family. And those who recover can be away from work and/or family duties for months. Trauma or Critical Illness cover pays you a lump sum should you be diagnosed with a specified illness like cancer.

I recently interviewed one of my c...


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How to protect your business if your sick or injured

Posted by Naomi Rosenthal on Thursday, June 21, 2012, In : Life Insurance 

The key areas you can consider to protect your business in the event you suffer an illness, injury or pass away include:
• Key Person Cover
• Buy/Sell Cover
• Business Debt Cover
• Business Expense Cover
This article explores the importance of Business Expense insurance for the self-employed or those in a small partnership.

Business Expense insurance should be a key component of every business risk strategy – regardless of whether you are a solo tradesperson, a dentist running your own ...


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"Family Benefits" Offer

Posted by Naomi Rosenthal on Thursday, September 22, 2011, In : Life Insurance 

There’s you. There’s your partner. Your children. Perhaps their children, or not yet if you have a young family. There’s your parents. There’s your siblings. Your second family from your third marriage. And the list can go on. The inter-connectedness of you and others and the dynamic nature of your financial affairs is a tree with many branches.
As a younger parent, you’re likely concerned about your children’s welfare and what would happen if you were no longer around or too sick ...


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Risk in Focus - Diabetes Mellitus

Posted by Naomi Rosenthal on Thursday, September 22, 2011, In : Life Insurance 
Diabetes Mellitus is defined as a chronic condition that occurs when the pancreas does not produce enough insulin (Type 1) or when the body cannot effectively use the insulin it produces (Type 2). Gestational diabetes refers to diabetes during pregnancy which normally improves or disappears after delivery.
The onset of Type 1 Diabetes Mellitus can occur at an early age and the client would have had diabetes for a number of years by the time insurance is considered. Type 2 Diabetes Mellitus has...
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Daffodil Day [August 26th 2011]. Supporting Cancer Research.

Posted by Naomi Rosenthal on Wednesday, August 24, 2011, In : Life Insurance 

I love Daffodils. They are bright and cheerful and always make me smile. They’re like a little ray of sunshine (on a cloudy day)! Here’s a picture of one I made out of paper this week. [I'll even auction it to the highest bidder, donating the funds to the Cancer Council. Send your bid price to info@tudorinvest.com.au by close of business Wed 31st August 2011.]

This year, Australia celebrates 25 years of support with Daffodil Day on 26th August. This fund raising event provides for th...


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Need a quick tax deduction?

Posted by Naomi Rosenthal on Tuesday, May 17, 2011, In : Life Insurance 

There are a number of ways that you can maximise tax deductions before the end of the financial year.

One simple way (that might also be the best decision you ever make) is to obtain an Income Protection policy and pay an annual premium. If you also run a business, you can add Business Expense cover.

Income Protection cover enables you to keep up with your everyday living expenses if you’re unable to work because of illness or injury. The regular monthly benefits allow you to concentrate ...


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Is your TPD Insurance under Super still deductible?

Posted by Naomi Rosenthal on Tuesday, May 17, 2011, In : Life Insurance 

From July 2011, the tax deductibility of Total and Permanent Disability Premiums under superannuation will no longer apply to “Own Occupation” TPD policies.

The premiums on TPD policies used to be viewed as being fully deductible to a super fund. In 2008 this view has been challenged by the ATO.

The ATO’s National Tax Liaison Group expressed in March 2008 that not all TPD premiums should be deductible to super funds. Only those premiums which would result in a payment that would meet ...


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Explaining 'Specified Injury Benefit'.

Posted by Naomi Rosenthal on Thursday, March 17, 2011, In : Life Insurance 

While a broken arm or leg may not keep you off work, it is an inconvenience and it might put you out of pocket. What would a few thousand extra dollars do for you?

Many good quality Income Protection policies have a feature called ‘Specific Injury Benefit’ that will pay your monthly insured amount for a specific period of time regardless of whether you are totally disabled, need ongoing medical treatment or working. Plus, this benefit is usually payable during your waiting period.

For e...


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How your Income Protection Waiting Period works (in general).

Posted by Naomi Rosenthal on Wednesday, December 1, 2010, In : Life Insurance 

The 'waiting period' is the time between you becoming unable to work and receiving your first income protection payment. You can generally choose a waiting period between fourteen days and two years. A shorter waiting period usually means a higher premium.

Because most disability events are temporary, insurance coverage for them is cheaper when the policyholder agrees to wait longer before receiving claim payments. For example, if you break a finger, it may only be 2 months before you are ab...


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Time to quit.

Posted by Naomi Rosenthal on Wednesday, December 1, 2010, In : Life Insurance 

On 10th October 2006 I stopped smoking.

I owe my success of having successfully stopped and feeling like I'll never need to smoke again, to a number of things:

  • Allan Carr's Easy Way to Stop Smoking
  • A positive mental attitude
  • A new non-smoking man in my life, which led me to the belief that the relationship wouldn't work at all if I continued to smoke. (We're still together!)
  • Feeling that if I didn't stop soon my health would continue to deteriorate.

Smoking is one of the leading ...


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