As the festive bells ring and the year winds down, do you find yourself more frazzled than festive? You're not alone. The holiday season, while filled with cheer, often brings its own set of mental challenges, including heightened anxiety and stress. It's a time when work pressures from the past year collide head-on with a whirlwind of social commitments, leaving many of us feeling more overwhelmed than overjoyed.

Oh hey, it's that time of the year when the sun's shining brighter, the days are stretching longer, and our spirits are soaring – hello, summertime! But as we're soaking up the good vibes, let's not forget something super important: the sun's ultraviolet (UV) rays are also cranking up. Almost every case of skin cancer is linked to these sneaky UV rays, so playing it smart with sun protection is your golden ticket to reducing your risk.

Did you know that life insurance policies have a bunch of other extra benefits? Depending on your insurer, you can even add on some optional extras to beef up your cover or customise your policy.

Now, these extras might bump up your premiums a bit, but they also provide extra protection or sweeten the terms of your policy. Just remember to choose wisely, so you don't end up paying for stuff you don't need.

The holiday season is just around the corner, and you know what that means—a classic Aussie summer Christmas filled with barbies, beach days, and festive cheer. But, let's face it, all those gifts, parties, and food expenses can put a strain on your wallet. So, we've got some savvy tips to help you navigate the silly season and keep your budget in check.

Looking out for the future is a responsible and caring thing to do. And part of that is making sure your loved ones know about your life insurance policy and can get their hands on it if anything happens to you. If you take a few little steps now, you'll make things heaps easier for your family and mates when times get tough.

Unexpected expenses can sneak up on us when we least expect them, mate. From car troubles to household mishaps and even life-changing events, it's crucial to be prepared for these curveballs. Let's dive into some common unexpected expenses and how you can be ready for them without breaking the bank.

When it comes to life insurance, it's often associated with folks who have partners or kids who rely on them financially. But don't dismiss the idea of safeguarding your financial independence just because you're single. There are situations where singles Down Under should seriously think about getting life insurance.

Hey, lovebirds! Planning your dream wedding is an exciting adventure filled with love and laughter. But did ya know about some hidden wedding expenses that might sneak up on you? So, grab your thinking cap because we're about to unveil six often-overlooked costs you'll want to keep an eye on.

Hey there, it's October, and you know what that means? It's Breast Cancer Awareness Month, the time of year when we all come together to shine a light on how breast cancer affects our community.

Here at Skye, we’re passionate about insurance. Specifically personal insurances, such as Life, Total and Permanent Disability (TPD), Trauma and Income Protection Insurance. Unfortunately, not all personal insurance policies are created equally, and the cover you get from Insurer A vs Insurer B might be the difference between a successful insurance claim or a difficult, if not impossible battle to receive support when needed.

If you're knocked off your feet by sickness or an injury, income protection's designed to replace a portion of your income. But what if you've got a few paychecks coming in and if you have two or more sources of income? Let’s dive in!

Looking out for the future of our loved ones is a top priority for everyone. We want to make sure they are protected financially, no matter what comes their way. Stay with us as we explain why it's so important to have enough insurance cover. We're here to shed some light on the reasons you may consider before deciding to decrease your personal insurance cover.

Ever wondered how insurance companies crunch the numbers to calculate how much you pay for your life insurance? You see the money you pay for your life insurance, whether it's a monthly or yearly deal, is known as your "premium." Before you even commit to getting insured, they'll hand you a quote of what those premiums will cost you.

Today, we're diving into a topic that's close to our hearts: mental health. It's a subject that affects us all, whether directly or through our friends and family, so let’s delve deeper into this mental health journey and equip ourselves with the knowledge we need. After all, mental health is something we all have, and it’s high time we give it the attention it deserves.

Total and Permanent Disability insurance, lovingly known as TPD Insurance, isn't just jargon. It can be the safety net and your backup plan you never knew you needed. Let's dive into what TPD Insurance really is and why it's something worth considering.

It's time to give our bones a little extra love and attention. In this blog post, we're shining a spotlight on bone health. It might not be something you think about every day, but taking care of your bones now can set you up for a strong and fracture-resistant future.

We've all had those thoughts about whether our life insurance will actually come through when we need it most, right? So we're here to clear the air and give you the real deal on how life insurance claims pan out. You might have come across the idea that insurance companies are a bit tight-fisted when it comes to paying up. But let's get down to business and take a look at the cold, hard claims data. It's time to separate fact from fiction and find out what's really happening with life insurance claims here in Australia.

See, when the chips are down, life insurance pays out a lump of cash to those you hold dear. It's like a helping hand from beyond the pearly gates, giving your folks the means to take care of debts and day-to-day costs. And choosing the person who gets your life insurance payout is a decision worth giving a good thinking-over. This simple guide covers the ins and outs of nominating a beneficiary, who can be nominated, and other aspects worth considering. Stick around as we chew the fat on this significant choice.

Hey, before you buy any financial product, it's super important to check out the product disclosure statement (PDS). I mean, it’s good to know what you're signing up for right? A PDS is like a guidebook that tells you all the important deets about the product so you can make an informed decision. The PDS usually covers all the essential elements of the product, so take the time to go through it carefully.

Before we dive into the world of insurance, there's this little thing called "underwriting" that you should know about.

When you apply for life insurance, the insurer needs to figure out how much of a risk you are to them. Fair enough! They do this by taking a squiz at some personal stuff like your health, lifestyle, and what you do for a living. It's all part of the underwriting process, which is just a fancy way of saying they're assessing the risk they're taking by covering you.