Life Insurance Blog

Any-occupation life or occupational insurance covers a person if they cannot work under any circumstances, in any occupation, following an accident, injury, or disability. The insurance is intended to provide an income until retirement for the policy holder. (more…)...

As the name suggests, Income Protection insurance replaces income lost when a person is unable to work due to unexpected accident or illness. In the event you meet the definition of Totally Disabled or Partially Disabled, the insurer will pay you all or part of the policy benefit level. When considering Income Protection insurance , you should take into account the following important informatio...

Brokers can provide a useful service because they have a good working knowledge of the life insurance market and should be able to access a wide range of insurance products and providers. But they’re paid in various ways, and the customer should know the differences. For example, a commission-based insurance broker is one who is paid on commission. These are cheaper to hire up front, but can be ...

Fee-based insurance brokers charge a fee to the purchaser for their services, rather than being paid by commission through the insurance premiums or paid directly by the insurance company. These brokers tend to be more suitable for a person seeking impartial advice, but the up-front costs can put others off using this option. (more…)...