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Insurance News

Court Ruling Highlights Why TPD Wording Matters for Business Owners

12 Nov 2026: Paige Estritori

A Queensland Court of Appeal decision involving AIA Australia has put renewed attention on how technical policy conditions can affect total and permanent disability claims, and why business owners should not treat insurance wording as a background detail. The case concerned group TPD cover held through superannuation, but its broader message is relevant to SMEs that rely on life, TPD and disability-style cover to protect debt, ownership arrangements and business continuity. - read more

Mental Health Cover Debate Now Matters for Business Protection

05 Nov 2026: Paige Estritori

Australia’s life insurance sector is moving into a detailed debate over how mental health conditions should be treated in disability-style cover, and the outcome could matter for business owners who rely on insurance to protect income, debt and operational continuity. - read more

Why Claims Handling Scrutiny Matters for Business Owners

09 Sep 2026: Paige Estritori

Fresh compliance attention on life insurance claims handling is a timely reminder that cover is only valuable if it can respond clearly and efficiently when a business is under pressure. Recent industry monitoring has again highlighted familiar issues for life insurers, including claim delays, communication gaps, repeated evidence requests and the need for more consistent support where customers are vulnerable or dealing with complex medical events. - read more

Why Tax Purpose Matters When Structuring Business Life Insurance

02 Sep 2026: Paige Estritori

Tax treatment of business-owned life insurance is again attracting attention as accountants and advisers work through year-end planning with SME clients. The central message is not new, but it remains widely misunderstood: business life insurance is not treated as one simple tax category. The purpose of the cover, who owns the policy and how any claim proceeds are intended to be used can all affect the outcome. - read more

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Life Insurance Articles

Who should own a business life insurance policy?

Business life insurance ownership affects who controls the policy, who receives a claim payment and whether the cover supports key person, buy-sell or business debt protection planning. This guide explains common ownership and beneficiary structures for Australian businesses. - read more

Business Debt Protection Insurance for Australian SMEs

Business debt protection insurance is designed to help a business manage debt obligations when unexpected events disrupt cash flow or threaten its ability to repay loans. For Australian SMEs with limited reserves, personal guarantees or significant finance commitments, it can form part of a broader risk management plan. - read more

How the business life insurance application process works

Applying for business life insurance in Australia usually involves more than requesting a quote. Insurers may ask about the business, the insured person, the purpose of cover, financial evidence and health information before offering terms. - read more

How to estimate business life insurance cover needs

Estimating business life insurance cover starts with identifying what the policy is meant to protect: revenue, key people, business debts, ownership succession, personal guarantees or working capital. This guide sets out a practical framework Australian SME owners can use to organise their figures before requesting quotes or professional advice. - read more

Knowledgebase

Depreciation:
The reduction in the value of an asset over time, used in insurance to calculate the actual cash value of property.

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