Open the product disclosure statement (PDS, the legal document that sets out what a policy will and won't pay for) on almost any Australian income protection policy and you'll find a short list of events that are never claimable, no matter who you are: war, acts of terrorism, self-inflicted injuries, and a normal, uncomplicated pregnancy.

If you've searched for Skye and come across a media release about an ASIC infringement notice, you probably have questions. Fair enough. Here's the full story, in plain English, from us.

Australia banned life insurers from using predictive genetic test results from 1 April 2026. Learn what changed, what insurers can still assess, and what it means for cover.

NIB has launched a life insurance product underwritten by Noble Oak, but price comparisons reveal major differences between NIB and adviser-accessible Noble Oak-backed policies. Here’s what Australians should know before buying.

AI can explain income protection, but it can’t help you access the right policy. Learn the difference between direct and advised insurance in Australia and why it matters.

What if your car insurance covered you when the car is parked at the office, and on the commute in and out, but the moment you pull out of the car park on a Friday afternoon, you’re on your own. Weekends, evenings, holidays, completely uninsured.

Self-employed Australians have no employer safety net. Here is what you need to understand about income protection insurance before you actually need it.

Learn how worldwide insurance cover works when travelling or living overseas, including claims, super rules, and residency risks that may affect your policy.

Insurance commissions in Australia explained clearly. Learn how insurance commissions work, what they cost, and whether removing them really saves money.

Insurance inside super can look sufficient at first glance. Learn why default super cover is often only a starting point once you run the numbers.

Understand why insurance advisers charge a fee, what the advice process involves, how commissions are regulated in Australia, and what clients receive in return.

Learn what underwriters look for in a life insurance application, why outcomes differ between insurers, and how preparation can improve terms and pricing.

Learn how insurance claims really work in Australia, when to reach out, what slows things down, and why early action matters for life and income protection claims.

Parental leave and life insurance can interact in unexpected ways. Here’s what Australian parents need to know before and during leave.

Can you claim on multiple insurance policies at once? Learn how life, TPD and income protection interact across super and retail cover in Australia.

Why some insurers decline while others accept comes down to underwriting rules, reinsurers and risk appetite. Here’s what Australians need to know.

Learn how super beneficiaries work in Australia, why nominations can be overridden, and how to make sure your super and insurance go where you intend.

Injured over the holidays? Learn how income protection and trauma cover support recovery, rehab and returning to work when illness or injury hits Australians.

Learn what industry fund insurance really covers, how default cover works, and why super fund policies can change without warning. Understand the gaps and what to look for.