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Our registered office address is 43 Larch Street Tallebudgera, Qld Australia 4228

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This website is owned and operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust) 43 Larch Street Tallebudgera QLD 4228, A.C.N. 010281008, authorised credit representative of Saccasan Pty Ltd, Australian Credit License 386297. Visit the ASIC website for additional licensing information.

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Life Insurance Articles

How to Choose the Right Income Protection Insurance as a Freelancer How to Choose the Right Income Protection Insurance as a Freelancer
Income protection insurance is a type of coverage designed to replace a portion of your income if you're unable to work due to illness or injury. It's an incredibly vital form of insurance for freelancers, who may not have the same safety nets as traditional employees, such as paid sick leave or disability benefits. - read more
The Myth of Unaffordability: How to Find Value in Income Insurance Policies The Myth of Unaffordability: How to Find Value in Income Insurance Policies
Income protection insurance is often surrounded by the myth of being unaffordable, deterring many Australians from safeguarding their most valuable asset—their ability to earn. This introduction aims to address this misconception head on, revealing the real value that income insurance policies can provide. It is crucial to understand that the cost of such a policy pales in comparison to the potential financial hardship faced without one. - read more
Insuring Your Practice: Key Considerations for Australian Health Care Workers Insuring Your Practice: Key Considerations for Australian Health Care Workers
Income protection insurance is a safeguard for your financial stability, designed to provide peace of mind when you most need it. As a healthcare professional, you’re dedicated to caring for others, but it’s essential to protect your own income against unexpected events. - read more
Avoiding Overinsurance: How to Choose Adequate Coverage Without Wasting Money Avoiding Overinsurance: How to Choose Adequate Coverage Without Wasting Money
Income protection insurance is a key component of financial planning that safeguards your earning potential in the untimely event of illness or injury. In Australia, it reassures individuals that their most valuable asset, the ability to earn, is shielded against unforeseen circumstances. Adequate income protection can provide peace of mind, with the security of a regular income even when you're unable to work. - read more

Insurance News

Strata Communities Endorse Call for Enhanced Resilience Reforms Strata Communities Endorse Call for Enhanced Resilience Reforms
04 Apr 2026: Paige Estritori

Strata communities are at the forefront of Australia's resilience battle, facing escalating costs, declining coverage, and prolonged recovery periods following disasters. Strata Community Association Australasia (SCA) has expressed strong support for the Insurance Council of Australia's (ICA) recent call for coordinated, long-term resilience reforms to protect communities from these challenges. - read more
Push for Strata Insurance Reform Escalates After PICA's Withdrawal Threat Push for Strata Insurance Reform Escalates After PICA's Withdrawal Threat
04 Apr 2026: Paige Estritori

The debate over transparency in strata insurance has intensified following reports that PICA Group, Australia's largest strata management company, threatened to withdraw its membership from the Strata Community Association (SCA) New South Wales. This move comes as the SCA pushes to phase out commissions on strata insurance, a practice long criticised for creating conflicts of interest between strata managers and property owners. - read more
Australian Insurers Tackle Premium Affordability Challenges in 2026 Australian Insurers Tackle Premium Affordability Challenges in 2026
04 Apr 2026: Paige Estritori

In 2026, Australian insurers are placing a strong emphasis on premium affordability as they confront escalating claims costs and climate-related losses. This shift in focus is driven by a combination of factors that are reshaping the insurance landscape. - read more
ASIC's 2026 Enforcement Agenda: Implications for the Insurance Sector ASIC's 2026 Enforcement Agenda: Implications for the Insurance Sector
04 Apr 2026: Paige Estritori

The Australian Securities and Investments Commission (ASIC) has unveiled its enforcement priorities for 2026, placing a significant emphasis on the insurance sector. Key areas of focus include failures in insurance claims and complaints handling, as well as misleading pricing practices that may impact Australians' cost of living. - read more

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Grace Period:
A set amount of time after the premium is due during which a policyholder can make a payment without the insurance coverage lapsing.