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It can be hard to identify what you are and where you want to go if you don't have the right wording to know what's even possible. This is why a lot of good financial advice looks like education.
Life insurances, Income Protection, and Estate Planning is all design to support what's important to you and safeguard whoever is family to you. Its an important part of modern life, love and business. Be sure to receive the information and guidance you need to make an educated decision. Browse through our Blog, our 100+ FAQs or contact us for a confidential chat.
Life is complicated.
Getting on with life is even more complicated; so it's important to talk about what matters most and know where we stand.
- In 2019, around 3.4 million Australians reported using an illicit (recreational) drug in the last 12 months.1
So how does having a history of personal drug use affect your ability to create a safety net for yourself and your family?
Here's what you need to know ahead of time when you're needing to get your life insurances sorted.
Living with depression or an anxiety disorder doesn't need to stop you from getting your life insurances sorted.
Thankfully, good mental health is now becoming part of the regular conversations for many Australians.
Here are some tips to help navigate the application process.
- About 3 million Australians are living with a form of anxiety or depression (Beyond Blue 2020) and at least 45 per cent of Australians will experience a mental health issue at some point in their lives. (SANE, 2019)
- However, studies have also found that LGBTIQ people face up to twice as much abuse or violence than our heterosexual counterparts and that this prejudice and discrimination adds an additional layer of risk factors that can lead to depression and anxiety.
- Research and real life experiences have found that LGBTIQ people have an increased risk of depression and anxiety, substance abuse, self-harming and suicidal thoughts.
Be careful what you Google for, when searching for simple answers to complex questions like; Can people with HIV or other complex health conditions can still qualify for life insurance?
Google Search is part of our modern-day lives.
Who hasn’t made a quick Search for the bio of an actor, the secret to a killer Bearnaise sauce or asked, ‘Is there a sequel to Game of Thrones?’
Search is also a growing part of our personal health management. People's tendencies for a late-night search session with Dr Google self-diagnosing potential medical conditions —by searching for symptoms —are known to trigger many an anxious night of misinformation and questionable comparisons.
The reality is many of our late-night search results usually add to our anxiety and uncertainty.
The new skill of knowing ‘when to consult a professional’ is becoming the new 21th Century survival skill to learn.
Flatmates, friends or de facto partners - how do you tell them apart
When it comes to romance and relationships, the emotional decision about who you think is your partner, may be very different to the legal decision about who is legally considered your de facto partner.
The questions about who may be a boyfriend or girlfriend or partner and who is a de facto become important distinctions when it comes to Superannuation payouts, Life Insurance nominations and Family Law claims on your finances, investments and property interests.
As Marriage Equality became law in Australia on 9th December 2017, *yay*, who is a married partner is now straightforward. Who is a de facto partner, is not always so straightforward especially for many in the LGBTQI Community.
If you're feeling like your life and business have been Kidnapped by the COVID-19 Virus, argh! We can relate.
It's a difficult time affecting us all.
The opened-ended nature of this worldwide health crisis fuels a sense of uncertainty. And this won't be the last crisis our world sees.
- This changing environment can kidnap our thinking with the seemingly urgent and distract us from the still important.
- And our hearts go out to the people who are not in very fortunate situations.
As we all find our way through this time, we don't want platitudes and denial but on the same token, we need to find ways we can keep calm and focus on what we can control - and look for something solid.
Ever wonder who can make emergency medical decisions for you when you can’t?
Most adults are presumed to have the needed mental capacity to give consent themselves. But what happens when you can’t make decisions for yourself?
Though you may have a large circle of friends, emergencies demand a certain kind of relationship.
Being to answer this question will probably make you stop and consider the quality of your key relationships and whether you have the right legal documents in play today, as part of your backup plan.
The person 'next in line to make decisions' for you is often referred to as the person responsible and it might not be your next of kin.
- Does it still make sense to think about Life Insurances today?
- Coronavirus, Life Insurance, Income Protection and managing personal risks
- Women living with HIV in Australia
- Standing with you through COVID-19
- Happy Sydney Mardi Gras 2020!
- Valentine's Day and Love Insurance
- Six Power Money Decisions for Same-sex Couples
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