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We understand that insurance can be a complex and confusing topic, and you may have many questions.

We've answered some of the most common questions and misconceptions about insurance below.

  • What is critical illness insurance?
    Also known as Trauma insurance, Critical Illness insurance covers you in the event that you are diagnosed with an (often unpreventable) illness such as cancer, heart attack or stroke.
  • Why do I need TPD insurance?
    Studies have shown that 2.1 million Australians of working age (15-64) have a disability. Of these 2.1 million, only 47.8% were employed. (Australian Network on Disability) This figure increases with age. Being unable to work severely restricts your ability to provide for yourself and your loved ones.
  • Why do I need life insurance?
    Life insurance ensures that your family and loved ones are protected in the event that you pass away. This ensures that the important people in your life can experience financial security, and can covers debts and expenses that may need to be paid.
  • How do I know how much insurance cover I need?
    This can be a complex and difficult question to figure out yourself. It will depend on you and your family's needs, your assets, shares and savings. You must also consider factors such as mortgages, school fees and expenses. Trendline$ is available to assist you in figuring this out, stress free. Contact us today for assistance in figuring out exactly how much cover you need.
  • Is there an age limit to apply for life insurance?
    The general age limit to appy for insurance is around 60-75. To get more information about whether you're eligible, you can contact our office and arrange an appointment to assess what cover may be available to you.
  • What is Income Protection Insurance?
    Income Protection insurance is a safeguard that you will still receive a monthly benefit if circumstances prevent you from working and earning an income.
  • Why do I need critical illness insurance?
    Critical illness may be more common than you believe. For example, approximately 57,000 Australians have heart attacks each year, that's 1 every 10 minutes (AIHW, 2019). Males have a 33% chance and females a 25% chance of suffering from cancer before age 75 (ACRF, 2020). Thankfully, survival rates for these illnesses are increasing, however surviving such a serious illness can result in expensive ongoing medical costs, with the average lifetime financial cost of cancer to an individual being more than $100,000. If you are strong enough to survive a serious illness, don't let financial hardship be the thing to bring you down.
  • What is life insurance?
    Life insurance is insurance that pays a designated sum of money to a nominated beneficiary in the event of the death of the life insured.
  • Why do I need income protection insurance?
    The majority of Australians insure their car, but only 31% insure their income. Many feel that they need to protect their assets, but your most important asset is your ability to earn an income. 38% of Australians feel they would survive less than 1 month before needing to sell assets, yet research shows that people have a 60% chance of being disabled for 1 month during their life, and a 33% chance for a disability lasting more than 3 months. (KPMG, 2014) If something was to prevent you from working, how long do you think you could manage?
  • What is Total and Permanent Disability Insurance?
    Total Permanent Disablement insurance covers you in the event that you suffer an illness or disability that prevents you from ever returning to work.
  • Insurance is too complicated
    25% of people don't have insurance because they don't know where to start, and 20% say it's too hard to pick a product that suits them. This is where we step in; we can analyse your needs and find the cheapest policy that best suits you. We'll do all the hard work for you!
  • Life insurance is too expensive
    A 40 year old male white collar worker is able to get $500,000 of cover for $38.34 per month, that's $9.60 per week. A 40 year old female white collar worker is able to get $500,000 of cover for $31.10 per month, that's $7.80 per week.
  • I already have insurance through my super fund, I don't need more.
    Many people have default cover from their superannuation funds. However this cover is general cover that is usually based solely on age, occupation and smoker status and is not tailored to your circumstances. Studies have shown that cover in super funds is on average only 20% of what an individual needs, and has less benefits.
  • I need medical exams to apply for insurance
    When applying for insurance, you will usually only need to answer general questions about your health, occupation and lifestyle, but occasionally further information will be required based on your health or level of cover. Medical tests may be required if you have past conditions or are of an older age. If medical tests are required, the cost will be covered by the insurer.
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