If you’ve ever applied for life or income protection cover and had rude shock of being told you’ll have an exclusion or loading and asked yourself, what the heck are exclusions and loadings, and why do I have them? Here's a quick rundown.

Aussies are a tough bunch. We like to think of ourselves as being able to handle anything that comes our way. But the truth is, sometimes life throws us a curveball—which brings me to this next point about trauma insurance.

What exactly does "life insurance" entail anyway? Let’s get down to business as I try to explain the basics of what it is, how it works, the different types of policies available, and some of the frequently asked questions about it.

One of the best things about life is that it's always changing. You might buy a new car, get married, or have children. As your life changes, so do your personal insurance needs.

Even thinking about it makes our heads hurt. But the truth is, no one is invincible. So while we may not like to think about it, bad things can happen to anyone at any time. And I get why you don't have the headspace right now for your own mortality. But the thing is, life insurance is not just money for when you die. So hear me out.

If your income protection policy is being paid through cashflow then some (or all) of the premiums will be tax deductible and as such your insurance provider will be mailing or emailing you the tax statements.

Current income protection products are generous, and as a result, insurance companies are losing money. APRA (The insurance regulator) has stepped in to create rules to make insurance policies taken out after 1 October 2021 more sustainable. This means that insurance policies taken out before 1 October 2021 are likely to be better quality policies than covers taken out after the changes.

Our youngest daughter shares her middle name with Phil’s sister, who died when she was four weeks old. Now this sounds sentimental, and really for the most part it is, except that Phil has also trained our 5 year old to recite her name with the tagline, ‘I’m named after my dead aunty.’ Very cute

Heading online to compare life insurance policies? Our life insurance advisers help with customised life insurance quotes. It’s quick, but not tick and flick. Get started with Skye.

Are you sure you have the right life insurance coverage to protect your family? Make sure you’re not falling into a coverage gap with these tips from Skye.

Financial nesting when you’re pregnant is a thing! Here are three things you can tick off now before you meet your new little family member.

Find out whether the life insurance in your super fund will cover you when the going gets tough. Our life insurance advisers make it easy to compare your group policy with one tailored for you.

You’ve heard the money & insurance myths about avocado-loving Millennials. But do the myths actually stack up? It’s time to check out the facts.