In-depth guides to help you make informed insurance decisions
Comprehensive, expert-written guides covering life insurance, income protection, trauma insurance, and more from qualified Australian advisers.
New parent? Here's exactly how much life insurance you need to protect your growing family, when to get it, and how to avoid paying too much.
By IMFL Advisory Team
Yes, you can get life insurance with pre-existing conditions. Learn how insurers assess diabetes, heart disease, cancer history, and mental health—plus strategies to get approved.
By IMFL Advisory Team
What happens between when you can't work and when insurance pays you? Understand waiting periods, compare real options from TAL, AIA, OnePath, and Zurich, and choose the right one for your situation.
By IMFL Advisory Team
No jargon, no fine print buried in paragraphs. Here's what trauma insurance pays for, what it costs when you need it, and how claims actually work in Australia.
By IMFL Advisory Team
Calculate your exact life insurance coverage needs using three proven methods. Includes real Australian examples, calculators, and expert recommendations.
By IMFL Advisory Team
Understanding life insurance premium structures: age-based calculations, premium types, risk factors, and the importance of early coverage.
By IMFL Advisory Team
Practical guide to life insurance for high-risk occupations. Why costs are higher, which insurers work best for you, and proven strategies to improve your chances of approval.
By IMFL Advisory Team
Simple comparison of retail and super life insurance. Own Occupation vs Any Occupation TPD, when to use each, and the hybrid strategy most families should use.
By IMFL Advisory Team
Everything you need to know about life insurance in Australia. Simple explanations, real examples, and practical advice to protect your family's financial future.
By IMFL Advisory Team
Do you need both? We explain the critical differences between life insurance (death cover) and income protection, and why most Australians need a mix of both.
By IMFL Advisory Team
Should you choose stepped or level premiums? This decision could save you $50,000+ over your policy lifetime. Here's exactly when each option makes sense.
By IMFL Advisory Team
TPD Insurance pays a lump sum if you are permanently disabled and can never work again. Learn the difference between 'Own' and 'Any' occupation cover.
By IMFL Advisory Team