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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

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
How to Choose the Right Income Protection Policy as a Beautician How to Choose the Right Income Protection Policy as a Beautician
Welcome, beauty professionals, to a discussion that could significantly impact your financial future—income protection insurance. As a beautician, your hands-on work is your livelihood, making it imperative to safeguard that income against unforeseen circumstances. - read more
Income Insurance: The Safety Net for Your Financial Goals in Australia Income Insurance: The Safety Net for Your Financial Goals in Australia
Financial security is pivotal for anyone striving to meet their life goals, be it owning a home, educating children, or ensuring a comfortable retirement. In Australia, where uncertainties can disrupt our best laid-out financial plans, having a safety net in place is essential. Income insurance offers just that—protection against the unforeseen events that could impact your income earning abilities. - read more
Understanding Life Insurance: Securing Your Family's Future Understanding Life Insurance: Securing Your Family's Future
Defining life insurance and its importance: Life insurance is a pivotal financial product designed to protect your loved ones from economic hardship in case of your untimely death. It acts as a safety net, ensuring that your family can maintain their standard of living, cover outstanding debts, and afford future expenses like education and retirement. - read more

Insurance News

AustralianSuper Announces Significant Insurance Premium Increases AustralianSuper Announces Significant Insurance Premium Increases
24 Apr 2026: Paige Estritori

AustralianSuper, one of Australia's largest superannuation funds, has announced substantial increases in insurance premiums, effective June 2026. This decision affects approximately 1.7 million members and is primarily driven by a notable rise in mental health and disability claims. - read more
Escalating Insurance Premiums Pose Challenges for Australian Retirees Escalating Insurance Premiums Pose Challenges for Australian Retirees
24 Apr 2026: Paige Estritori

For many Australian retirees, the dream of a comfortable and secure retirement is being overshadowed by the escalating costs of home insurance. Over the past five years, the average cost of home insurance in Australia has surged by 51%, according to analytics firm Finity. This substantial increase is placing considerable financial pressure on retirees, many of whom are on fixed incomes and find it challenging to accommodate these rising costs. - read more
Australian Insurers Navigate Rising Claims and Cost-of-Living Challenges Australian Insurers Navigate Rising Claims and Cost-of-Living Challenges
24 Apr 2026: Paige Estritori

As Australian households grapple with escalating cost-of-living pressures, the insurance industry is facing the dual challenge of maintaining coverage affordability while managing an uptick in claims, particularly related to mental health and disability. Recent research from national insurance provider Youi highlights that over two in five Australians (42%) report a deterioration in their financial position over the past two years, with 66% indicating they are just keeping up or likely to struggle if faced with unexpected expenses. - read more
ICA Proposes Reforms to Alleviate Small Business Insurance Expenses ICA Proposes Reforms to Alleviate Small Business Insurance Expenses
24 Apr 2026: Paige Estritori

The Insurance Council of Australia (ICA) has recently highlighted the pressing need for reforms aimed at reducing the escalating insurance costs burdening small businesses across the nation. In a comprehensive white paper released on 15 October 2025, the ICA underscores how outdated state and territory civil liability laws, which have remained unreviewed for nearly a quarter of a century, are significantly contributing to the surge in insurance premiums. - read more

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Knowledgebase
Whole Life Insurance:
A type of life insurance that provides coverage for the insured's entire lifetime, with a savings component that builds cash value.