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.
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.
There is no single right amount. Five illustrative scenarios (not real clients, not personal advice) show how debts, dependants and super cover change it.
A CSS or PSS member posted overseas stays an Australian tax resident automatically. A PSSap colleague may not. What that changes for tax, home and shares.
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.
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.
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.
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 total and permanent disability cover means, how a TPD claim is assessed, how long it takes, how a payout is taxed, and what to do if it’s declined.
Financial decisions veterans face after service: DVA compensation, invalidity benefits, military super, and when DVA reimburses the cost of advice.
