Many people see the need to protect their assets with insurance, but very often they fail to see that their ability to produce income is their greatest asset. Without the ability to go to work every day and bring home that income, your life would be a great deal harder and much less pleasant. So…
It is mainly those people in highly paid professions who need income protection insurance. This is because those who are making a significant amount of money usually have a lifestyle to match. If they are suddenly without their income due to illness or injury, then their lifestyle would suffer. They would be unable to pay…
Key man insurance is a type of life insurance for business that protects the business should one of their key men suddenly die. It is of particular value to small businesses where the key man is the main worker. If he or she should suddenly be unavailable, the business would suffer great loss and in…
This note looks at concerns that China is a bubble that’s about to burst. The key points are as follows: – Concerns that China is a bubble about to burst are unjustified. There is no evidence of generalised over-investment, China’s reliance on exports is overstated and likely to diminish with consumption taking a greater role,…
We are now coming up to the one year anniversary of the bear-market low in shares (Australian shares bottomed on 6 March 2009 and US shares bottomed on 9 March). This note looks at the outlook for shares in the context of the Australian December-half reporting season just ended. The key points are as follows:…
The Income Protection Insurance and IPP are the two different entities. Quite often, people compare the two terms, but according to me, the comparison is not at all appropriate. The Income Protection Insurance is related to the long term investment whereas the IP is the short term or umbrella term investment. IPP is also referred…
When searching for life insurance you need to get quotes for each plan to see how much it is going to cost you. Finding life insurance online will facilitate getting quotes as you can simply type in the few details required by the online form and you will then be given a quote. However, the…
There are as many income protection plans as there are life insurance plans. In fact, income protection usually forms part of the best life insurance plans. When you buy life insurance, you need to check to see if features such as income protection are included. Cheap life insurance may not include any income protection. But…
There are many life insurance plan options so how do you choose the best life insurance for your needs? Before you buy life insurance you need to do a little research to compare the various plans. This need not be difficult. Anyone with a computer can compare life insurance plans online to find out what…
Any insurance policy purchased for your own or your family’s needs, qualifies as personal insurance. Broadly, personal insurance can be categorised into the following types: Life Insurance Income Protection Critical Illness Total & Permanent Disability Life Insurance: Life insurance can help provide cover for the unthinkable, and can be a valuable source of income for…