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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

Too Young to Insure? and Other Life Insurance Misconceptions in Australia Too Young to Insure? and Other Life Insurance Misconceptions in Australia
Many Australians recognise the importance of life insurance, yet a substantial number believe that it's a concern for the later stages of life. This common oversight can lead to missed opportunities for financial security and peace of mind. In this introductory section, we'll address why life insurance is a pivotal component of financial planning for individuals at any age, including the young adults just starting their careers. - read more
The Role of Life Insurance in Retirement Planning The Role of Life Insurance in Retirement Planning
Retirement planning is the process of determining retirement income goals and the actions and decisions necessary to achieve those goals. It includes identifying income sources, estimating expenses, and implementing a plan to manage the savings and investments required to fund your future. Successful retirement planning involves a thoughtful approach to savings and a clear understanding of how different financial strategies interplay. - read more
Self-Employed? Here's How to Determine Your Income Insurance Coverage Needs Self-Employed? Here's How to Determine Your Income Insurance Coverage Needs
In recent times, the allure of being your own boss has led to a significant shift towards self-employment in Australia. This growing trend reflects a desire for greater flexibility and autonomy in one's career. However, amidst this independence lie uncertainties and financial risks unique to those who venture out on their own. - read more
How to Secure Your Financial Future: Dealing with Income Loss How to Secure Your Financial Future: Dealing with Income Loss
Experiencing an income loss due to illness or injury can be a daunting prospect for many Australians. The sudden drop in income can significantly impact your financial stability, affecting everything from daily expenses to long-term savings goals. - read more

Insurance News

Health Insurance Premiums to Rise by 4.41% in 2026 Health Insurance Premiums to Rise by 4.41% in 2026
11 Apr 2026: Paige Estritori

The Australian government has approved a 4.41% increase in health insurance premiums, set to take effect in 2026. This adjustment reflects the rising costs associated with healthcare services and the need to maintain the sustainability of the health insurance sector. - read more
Australian Insurers Address Premium Affordability Challenges Australian Insurers Address Premium Affordability Challenges
11 Apr 2026: Paige Estritori

The Australian insurance sector is currently grappling with significant challenges, notably the affordability of premiums for consumers. A recent survey by Gallagher Bassett highlights that premium affordability, cybersecurity, and labour shortages are the top concerns for insurers in 2026. ([insurancenews.com.au](https://www.insurancenews.com.au/daily/industry-reshapes-priorities-amid-price-cost-pressures?utm_source=openai)) - read more
Declining Commercial Insurance Rates in Australia Declining Commercial Insurance Rates in Australia
11 Apr 2026: Paige Estritori

The Australian commercial insurance market is witnessing a notable decline in rates, driven by intensified competition and an increase in insurer capacity. According to reports from global brokers Marsh and Aon, the Pacific region experienced a 12% reduction in commercial insurance rates during the last quarter of 2025, marking the most significant drop since early 2024. ([insurancenews.com.au](https://www.insurancenews.com.au/local/commercial-pricing-tipped-to-stay-soft?utm_source=openai)) - read more
Impact of Hailstorm Claims on Australian Insurers' Profits Impact of Hailstorm Claims on Australian Insurers' Profits
11 Apr 2026: Paige Estritori

The Australian insurance industry has recently faced a substantial decline in profits, primarily due to a series of severe hailstorms that occurred in October and November 2025. Data from the Australian Prudential Regulation Authority (APRA) reveals that the general insurance sector reported a net profit of $132 million in the December quarter, bringing the annual total to approximately $5.8 billion. This marks a decrease from the $6.8 billion profit recorded in 2024. ([insurancenews.com.au](https://www.insurancenews.com.au/local/industry-profit-sinks-as-hail-hits-home?utm_source=openai)) - read more

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Insurable Interest:
A financial or other kind of interest in the insured item or person, necessary for a valid insurance contract.