Life insurance over 60 and in your late 50s: what changes, and when cover ends
When life, TPD and income protection cover usually end, what happens to insurance in super when you stop work, and how payouts to adult children are taxed.
Trauma insurance: what it covers, and how it differs from TPD and income protection
Trauma insurance pays a lump sum on a listed illness or injury. What it covers, how it differs from TPD and income protection, and why it sits outside super.
Stepped vs level premiums: how each works, and why both can rise
Stepped premiums are recalculated for age each year; level premiums start higher and rise more slowly. Why insurers renamed both, and why both can still rise.
Genetic testing and life insurance: what changes on 8 October 2026
From 8 October 2026 life insurers can’t ask for or use genetic test results. What’s protected, where family history still counts, and whether you must disclose.
How much life insurance do I need? Five illustrative scenarios
There is no single right amount. Five illustrative scenarios (not real clients, not personal advice) show how debts, dependants and super cover change it.
Division 296 and Defined Benefit Super: How CSS, PSS, DFRDB and MSBS Interests Are Valued
Division 296 counts a notional value for CSS, PSS, DFRDB and MSBS interests. How defined benefit super is valued for the $3M cap, and why the tax is deferred.
Redundancy and Super: Is Super Paid on Your Payout?
No employer super is paid on the redundancy part of a payout — and an ETP can’t be rolled into super. What the SG rules and 2026-27 contribution caps allow.
Income Protection Inside Your Super: The Cover You Already Have
How to check the income protection, TPD and life cover inside your super, where default cover falls short, and what changes for CSS, PSS and ADF members.
How Much Does Financial Advice Cost in Canberra?
What financial advice costs: the median ongoing fee, how advisers charge, what drives the price, and why redundancy clients often pay nothing at all.
What Is the 54/11 Scheme? The CSS Strategy Explained in Plain English
54/11 explained: resign at least two days before turning 55, preserve your CSS benefit, claim it at 55 as a Deferred Benefit. Who can still use it in 2026.