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  • Resources - The Four Main Types of Life Insurance
    insurance adviser Depending on the policy insurance payments can help maintain your family s lifestyle cover increased medical bills or allow for greater financial security during the recovery process Either way your lifestyle can be protected Sym added Need more help As with any major financial commitment it s best to consider your individual situation and seek professional advice Even the most experienced insurance experts must spend time understanding your individual situation and considering all the different insurance products available before making a recommendation Help is only a phone call or click away You can compare the main types of life insurance and get a free insurance quote from a professional insurance consultant by clicking on link below This information including taxation is general in nature and does not consider your individual circumstances or needs Do not act until you seek professional advice and consider a Product Disclosure Statement lt lt Back to Insurance Articles Ratesonline is not licensed to provide financial advice but we can provide you with factual information If you require more help we can refer you to a professional adviser who can help you find the best solution for your needs We understand that choosing the right insurance is an important but difficult and time consuming exercise Our strategic partner Moneyquest Insurance Services also recognises this and can guide you in the right direction to find the insurance cover and rate that best meets your needs They can help you find the best insurance including the best income protection and best life insurance to better protect your family your assets and your lifestyle Moneyquest Insurance Services Pty Ltd trading as Moneyquest Insurance Services is an Authorised Representative of Millennium3 Financial Services Pty Ltd AFSL 244252 one of Australia s largest advice groups Neither ratesonline Millennium3 nor

    Original URL path: http://home-loan.centraltelegraph.com.au/insurance/resources/the-four-main-types-of-life-insurance- (2015-11-27)
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  • Resources - What is Trauma Insurance
    your financial commitments and how long they will last Consider talking to a professional financial adviser who can help you determine how much cover is appropriate for your situation How to buy trauma insurance As with any major financial commitment it s best to consider your individual situation and seek professional advice Even the most experienced insurance experts must spend time understanding your individual situation and considering all the different insurance products available before making a recommendation To compare trauma insurance policies or to receive an insurance quote please fill out the request form here General advice warning This information including taxation is general in nature and does not consider your individual circumstances or needs Do not act until you seek professional advice and consider a Product Disclosure Statement moneyQuest Insurance Services Pty Ltd is a Corporate Authorised Representative of Millennium3 Financial Services Pty Ltd ABN 61 094 529 987 AFSL 244252 lt lt Back to Insurance Articles Ratesonline is not licensed to provide financial advice but we can provide you with factual information If you require more help we can refer you to a professional adviser who can help you find the best solution for your needs We understand that choosing the right insurance is an important but difficult and time consuming exercise Our strategic partner Moneyquest Insurance Services also recognises this and can guide you in the right direction to find the insurance cover and rate that best meets your needs They can help you find the best insurance including the best income protection and best life insurance to better protect your family your assets and your lifestyle Moneyquest Insurance Services Pty Ltd trading as Moneyquest Insurance Services is an Authorised Representative of Millennium3 Financial Services Pty Ltd AFSL 244252 one of Australia s largest advice groups Neither

    Original URL path: http://home-loan.centraltelegraph.com.au/insurance/resources/what-is-trauma-insurance (2015-11-27)
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  • Resources - Is Income Protection Insurance Worth It
    a sole parent Social security may provide a sort of safety net to ensure you don t starve but if you have a mortgage and financial responsibilities income protection insurance is very necessary 3 If you have a history of poor health Sometimes income protection insurance companies require physicals and poor health will increase your premiums However in this case the risks often outweigh the costs income protection insurance is advised lt lt Back to Insurance Articles Ratesonline is not licensed to provide financial advice but we can provide you with factual information If you require more help we can refer you to a professional adviser who can help you find the best solution for your needs We understand that choosing the right insurance is an important but difficult and time consuming exercise Our strategic partner Moneyquest Insurance Services also recognises this and can guide you in the right direction to find the insurance cover and rate that best meets your needs They can help you find the best insurance including the best income protection and best life insurance to better protect your family your assets and your lifestyle Moneyquest Insurance Services Pty Ltd trading as Moneyquest Insurance Services is an Authorised Representative of Millennium3 Financial Services Pty Ltd AFSL 244252 one of Australia s largest advice groups Neither ratesonline Millennium3 nor moneyquest warrant or represent that the information in this site is free from errors or omissions or is suitable for your intended use Although every effort is made to ensure that the product information is current and correct this general information should only be used as a guide because it may not be complete for your purposes You should confirm the information with the provider before you act on the information shown on this site Ratesonline is not

    Original URL path: http://home-loan.centraltelegraph.com.au/insurance/resources/is-income-protection-insurance-worth-it (2015-11-27)
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  • Resources - 3 Things to Consider When Choosing Your Level of Life Insurance Cover
    well 2 A lump life insurance coverage payout may allow lump payment of debt For example if your family receives enough money to pay off the mortgage immediately their interest payments will be reduced 3 You need to afford other essential insurance If your life insurance coverage means that you forfeit home or car insurance it s time to downgrade lt lt Back to Insurance Articles Ratesonline is not licensed to provide financial advice but we can provide you with factual information If you require more help we can refer you to a professional adviser who can help you find the best solution for your needs We understand that choosing the right insurance is an important but difficult and time consuming exercise Our strategic partner Moneyquest Insurance Services also recognises this and can guide you in the right direction to find the insurance cover and rate that best meets your needs They can help you find the best insurance including the best income protection and best life insurance to better protect your family your assets and your lifestyle Moneyquest Insurance Services Pty Ltd trading as Moneyquest Insurance Services is an Authorised Representative of Millennium3 Financial Services Pty Ltd AFSL 244252 one of Australia s largest advice groups Neither ratesonline Millennium3 nor moneyquest warrant or represent that the information in this site is free from errors or omissions or is suitable for your intended use Although every effort is made to ensure that the product information is current and correct this general information should only be used as a guide because it may not be complete for your purposes You should confirm the information with the provider before you act on the information shown on this site Ratesonline is not licensed to provide financial advice but we can provide you with

    Original URL path: http://home-loan.centraltelegraph.com.au/insurance/resources/3-things-to-consider-when-choosing-your-level-of-life-insurance-cover (2015-11-27)
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  • Resources - The Myths of Life Insurance
    Australia report and is based on those who are currently aged 30 3 They won t insure me because of current health problems The Industry operates on a risk assessment basis which is determined by an underwriting process What this means is those that have a higher risk are simply required to pay extra premiums It is only a very small few who won t be covered at all 4 I already have enough The recommended level of life insurance to maintain your current lifestyle is around 10 times your net earnings While most families insure their cars and homes adequately most don t have enough to cover their most important asset themselves lt lt Back to Insurance Articles Ratesonline is not licensed to provide financial advice but we can provide you with factual information If you require more help we can refer you to a professional adviser who can help you find the best solution for your needs We understand that choosing the right insurance is an important but difficult and time consuming exercise Our strategic partner Moneyquest Insurance Services also recognises this and can guide you in the right direction to find the insurance cover and rate that best meets your needs They can help you find the best insurance including the best income protection and best life insurance to better protect your family your assets and your lifestyle Moneyquest Insurance Services Pty Ltd trading as Moneyquest Insurance Services is an Authorised Representative of Millennium3 Financial Services Pty Ltd AFSL 244252 one of Australia s largest advice groups Neither ratesonline Millennium3 nor moneyquest warrant or represent that the information in this site is free from errors or omissions or is suitable for your intended use Although every effort is made to ensure that the product information is current

    Original URL path: http://home-loan.centraltelegraph.com.au/insurance/resources/the-myths-of-life-insurance (2015-11-27)
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  • Resources - The Difference Between Mortgage Protection and Mortgage Insurance
    Lender s mortgage insurance You will generally be required to take out lender s mortgage insurance as a condition of your loan if the bank sees you as a greater than usual risk It isn t a choice Lender s mortgage insurance is a separate product It covers the mortgage provider in case you default on your loan and they are unable to recover your full amount owing from the sale Lender s mortgage insurance can feel expensive because it takes money away from your home loan repayments which then accrue more interest lt lt Back to Insurance Articles Ratesonline is not licensed to provide financial advice but we can provide you with factual information If you require more help we can refer you to a professional adviser who can help you find the best solution for your needs We understand that choosing the right insurance is an important but difficult and time consuming exercise Our strategic partner Moneyquest Insurance Services also recognises this and can guide you in the right direction to find the insurance cover and rate that best meets your needs They can help you find the best insurance including the best income protection and best life insurance to better protect your family your assets and your lifestyle Moneyquest Insurance Services Pty Ltd trading as Moneyquest Insurance Services is an Authorised Representative of Millennium3 Financial Services Pty Ltd AFSL 244252 one of Australia s largest advice groups Neither ratesonline Millennium3 nor moneyquest warrant or represent that the information in this site is free from errors or omissions or is suitable for your intended use Although every effort is made to ensure that the product information is current and correct this general information should only be used as a guide because it may not be complete for your

    Original URL path: http://home-loan.centraltelegraph.com.au/insurance/resources/the-difference-between-mortgage-protection-and-mortgage-insurance (2015-11-27)
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  • Resources - Ensuring Income Continuity
    or injury occur and it easily can you could potentially wipe out your savings just to cover living expenses Or even go into debt That s somewhere no one enjoys being lt lt Back to Insurance Articles Ratesonline is not licensed to provide financial advice but we can provide you with factual information If you require more help we can refer you to a professional adviser who can help you find the best solution for your needs We understand that choosing the right insurance is an important but difficult and time consuming exercise Our strategic partner Moneyquest Insurance Services also recognises this and can guide you in the right direction to find the insurance cover and rate that best meets your needs They can help you find the best insurance including the best income protection and best life insurance to better protect your family your assets and your lifestyle Moneyquest Insurance Services Pty Ltd trading as Moneyquest Insurance Services is an Authorised Representative of Millennium3 Financial Services Pty Ltd AFSL 244252 one of Australia s largest advice groups Neither ratesonline Millennium3 nor moneyquest warrant or represent that the information in this site is free from errors or omissions or is suitable for your intended use Although every effort is made to ensure that the product information is current and correct this general information should only be used as a guide because it may not be complete for your purposes You should confirm the information with the provider before you act on the information shown on this site Ratesonline is not licensed to provide financial advice but we can provide you with factual information If you require more help we can refer you to a professional adviser who can help you find the best solution for your needs Insurance Providers AIA

    Original URL path: http://home-loan.centraltelegraph.com.au/insurance/resources/ensuring-income-continuity (2015-11-27)
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  • Resources - Insurance Glossary
    based on your income in the 12 months immediately before you became unable to work Indexation Benefit Each year the amount of cover is increased in line with inflation CPI or 5 whichever is higher Injury A physical injury which occurs whilst the policy is in force and which results solely directly and independently of a pre existing condition or any other cause Insured Monthly Benefit The Insured Monthly Benefit is stated on the policy schedule and may be adjusted by any benefit alterations the policy owner has affected or which have been imposed by the insurer and notified to the policy owner Interim Accident cover While your application is being considered this provides you with Interim Accident cover at no extra cost Level Premium The premium will continue to be based on your age when you started the plan Life Death Insurance A lump sum payment of money by the insurer to the nominated beneficiary beneficiaries in the event of death as stated in the policy document Linked Cover Gives you the option to bundle insurance policies together to save on multiple policy fees Non Smoker Means that at a point in time not having smoked tobacco or any other substance for a continuous period of 12 months ending at that point in time Own Occupation Insurance cover option for that particular occupation in which you were engaged immediately prior to ceasing work Premium Freeze Provided you are age 35 or older and you are paying your premiums on a stepped premium basis you can elect to freeze your premiums The amount of cover will be decreased accordingly if this option is chosen Premium Loading The insurer determines there is a higher than normal risk in accepting your application and insuring you thus increasing the likelihood of a future benefit payment As such the premiums are increased in accordance with this additional risk borne by the insurer Reinstatement Option Allows you to apply to restore the benefit amount the insurer has paid after a claim without having to provide additional evidence of your health occupation or pastimes Spouse Means the opposite sex partner of the life insured in a traditional marriage common law marriage or in a de facto relationship Stand Alone Cover Allows you to keep each insurance policy separate Stepped Premium Your current age will determine the premium payable each year Term Refers to the duration of the policy from the commencement date to the expiry date Terminal Illness Means the diagnosis of the life insured with an illness which in the opinion of an appropriate specialist physician approved by the insurer is likely to result in the death of the life insured within 12 months of the diagnosis regardless of any treatment that may be undertaken Total and Permanent Disability Insurance A lump sum payment of money by the insurer to you if in the insurer s opinion after consideration of medical and any other evidence that you are incapacitated to such an extent that you

    Original URL path: http://home-loan.centraltelegraph.com.au/insurance/resources/insurance-glossary (2015-11-27)
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