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Insurance News

AFCA Upholds Insurer's Right to Adjust 'Level' Premiums

10 May 2026: Paige Estritori

The Australian Financial Complaints Authority (AFCA) recently dismissed a complaint concerning significant increases in 'level' life insurance premiums. This decision underscores the importance of policyholders thoroughly understanding their insurance agreements and the conditions under which premiums may be adjusted. - read more

APRA Reports Surge in TPD and Disability Income Insurance Disputes

10 May 2026: Paige Estritori

Recent data from the Australian Prudential Regulation Authority (APRA) reveals a significant concentration of disputes in the life insurance sector, with Total and Permanent Disablement (TPD) and disability income insurance (DII) claims accounting for 88% of all disputes. This trend highlights the need for both insurers and policyholders to closely examine the factors contributing to these disputes and seek solutions to enhance the claims process. - read more

Hostplus and MetLife Australia Renew Group Insurance Partnership

10 May 2026: Paige Estritori

Hostplus, one of Australia's leading superannuation funds, has announced the extension of its group insurance partnership with MetLife Australia until June 2028. This renewed collaboration aims to enhance the insurance offerings available to Hostplus members, focusing on improved servicing models, lower premiums, and a more personalised claims experience. - read more

Interim Review Highlights Strengthened Consumer Protections in Life Insurance

02 May 2026: Paige Estritori

The interim report of the ongoing review of Australia's Life Insurance Code of Practice (Life Code) has been released, receiving positive feedback from the country's life insurers. Led by financial sector expert Peter Kell, the review involved extensive engagement with the community, consumer advocates, and regulators to ensure the Life Code remains robust, relevant, and trusted. - read more

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Life Insurance Articles

Insurance Solutions for Key Person Risk Management Explained

Key person risk is a critical consideration for small and medium-sized enterprises (SMEs). It refers to the financial risk a company faces due to the potential loss of an employee who plays a pivotal role in its success. This key individual could be a founder, an executive, or anyone whose departure could significantly impact the company's operations and strategic direction. - read more

The Crucial Role of Business Life Insurance for Australian Enterprises

Business life insurance is an essential part of the strategic planning for businesses. Essentially, it is a policy that provides a financial safety net for businesses upon the death or disability of key business personnel. This type of insurance helps ensure the continuity and stability of the business by funding buy-sell agreements, compensating for the loss of a key person, or providing funds to pay off debts. - read more

Understanding Buy-Sell Agreements for Australian Businesses

Buy-sell agreements are crucial legal contracts that outline how a partner’s share of a business may be reassigned if that partner dies or otherwise leaves the business. These agreements are often part of a company's succession planning strategy, aiming to provide a clear path forward in the case of unforeseen events. - read more

Knowledgebase

Term Life Insurance:
A life insurance that provides a cover for a specific period of time - usually one to five years or until the insured reaches age 65 or 70.

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Business Life Cover Promotional Offer

How to Succed in Business Without Losing Your Soul

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