Insurance is the least interesting part of a financial plan, right up until it is the only part that matters. The goal is enough cover, structured well, at a premium you can keep paying.
Start here and work through it.
Step-by-step explainers that take a topic from first principles to a decision you can act on.
Personal risk management
How likely these events are, what they cost, and the four types of cover — with the key terms to check in each policy.
Read the guideIt could happen to anyone: Recognising the likelihood of death, illness, injuries and accidents
One case study, then the numbers: how likely a serious accident, illness or disability actually is, and what your earning capacity is worth.
Read the guideWhat’s your financial exposure? Calculate it to help plan for emergencies and manage risk
A step-by-step calculation: what you would need, what you could access, and the shortfall between them.
Read the guideHow to lodge an insurance claim in 3 steps
Three steps to lodging a claim, followed through one case — and what to do if the claim is knocked back.
Read the guideNot sure where to start?
Take the free financial health check. Ten minutes, six areas, and a plain-English report that tells you which of these topics will make the biggest difference to you first.
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These guides and articles contain general information only. They do not take into account your personal objectives, financial situation or needs, and they are not a recommendation to buy or hold any financial product. Consider whether the information is appropriate for you, and seek personal advice before acting.
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