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Becoming a parent is one of life’s biggest milestones — and it’s also a time when many Australians start thinking seriously about financial protection. At Covermate Life , we often receive questions from expectant parents about how pregnancy affects life insurance. Here, we answer the most common questions about getting life insurance while pregnant, how it works, and what to consider before applying. 1. Can you get life insurance while pregnant? Yes, you can apply for life i

When it comes to protecting your income, you might not realise you can hold income protection insurance  either inside your superannuation  or as a standalone policy outside of super . Both options have their benefits — but the right one for you will depend on your circumstances, preferences, and how you want to manage cash flow. At Covermate Life , we explain these options in simple terms so you can make an informed decision that suits your situation. A Quick Refresher: Wha

Many Australians are surprised to learn that income protection insurance  isn’t just about financial security — it can also deliver potential tax benefits . If you hold an income protection policy outside of superannuation, your premiums are often tax-deductible , which can help reduce the cost of protecting your income. At Covermate Life , we believe understanding how these tax rules work is an important step in making informed insurance decisions. Let’s break it down simply

The right level of cover depends on your income, expenses, and financial commitments. While the exact figure will differ for everyone, here are key points to consider: 1. Your Regular Expenses Start by adding up your monthly costs — such as mortgage, rent, bills, food, and transport. Your income protection should ideally cover these essentials so you can maintain your standard of living. 2. Your Financial Dependants If you have a family or dependants who rely on your income,

When you think about insurance, you probably picture your car, home, or health — but what about your income? It’s your most valuable financial asset, and if illness or injury stops you from working, the loss of income can quickly create serious financial strain. At Covermate Life , we believe that income protection insurance  isn’t just a policy — it’s peace of mind. Here’s why it’s worth considering for anyone who relies on their income to support themselves or their family

When life takes an unexpected turn — through illness or injury — your ability to earn an income can disappear overnight. That’s where income protection insurance  comes in. At Covermate Life , we believe your income is your most valuable asset, and protecting it should be a key part of your financial wellbeing strategy. What Is Income Protection Insurance? Income protection insurance replaces a portion of your income if you’re unable to work due to illness or injury. It provi

Understand Your Cover, Stay Protected with Confidence When was the last time your life insurance adviser checked in with you?For many Australians, it’s been years since their life insurance was last reviewed — and in that time, life has often changed dramatically. At Covermate Life , we believe understanding your cover shouldn’t be complicated. Even if your previous adviser is no longer in touch, we can help you take over your existing policy  and explain exactly what cover y

General advice only – this article does not take into account your personal circumstances. For advice tailored to you, please speak with...

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Group insurance is one of the most effective ways to provide financial security and peace of mind for employees. Yet, despite its...

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Group life insurance is an important benefit that businesses can offer their employees. It provides financial protection for staff and...

Providing group insurance  for employees is an important way to protect both your staff and your business. However, for many companies,...

Providing group insurance  is one of the most effective ways for businesses to support their employees’ financial security. From life...

For many businesses, offering group insurance  is one of the most practical and cost-effective ways to support employees. Whether it’s...

When it comes to looking after your employees, group insurance  is one of the most effective ways to provide financial protection and...

When it comes to protecting your business, there are a lot of insurance options. Two of the most important for business owners are...