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The average Australian with life insurance is covered for around 61% of what their family would actually need.That figur...
05/08/2026

The average Australian with life insurance is covered for around 61% of what their family would actually need.

That figure comes from Rice Warner's Underinsurance in Australia report, and it reflects a pattern that's common across the country: people set a cover amount at some point, usually when they first took out a mortgage or signed up with a super fund, and never revisited it.

Life changes. Cover often doesn't keep up. Kids arrive, mortgages grow, salaries increase, and the number that made sense ten years ago quietly becomes inadequate.

The right question isn't whether you have insurance. It's whether what you have still matches what your family would actually need.

Source: Rice Warner, Underinsurance in Australia Report

A cancer diagnosis during pregnancy. One of the most frightening things a family can face.They had trauma cover. When th...
05/08/2026

A cancer diagnosis during pregnancy. One of the most frightening things a family can face.

They had trauma cover. When the diagnosis came, the financial side of things was taken care of. The focus could go entirely where it belonged: on the treatment, on the birth, on the recovery.

That's what trauma cover is actually for. Not a theoretical future event. A real one, that real families navigate every year, and that most people assume won't happen to them.

The families who had cover when it arrived are grateful they didn't wait until they were sure.

If you'd like to share your own story, or hear more about what trauma cover actually covers, we'd love to talk.

The world's first successful heart transplant took place in 1967. The patient, Louis Washkansky, lived for 18 days.The m...
02/08/2026

The world's first successful heart transplant took place in 1967. The patient, Louis Washkansky, lived for 18 days.

The most recent long-term survivor of a heart transplant has now lived for over 39 years with a donated heart.

That gap is what medical progress looks like in practice. Conditions that were once death sentences are now managed, treated, and in many cases survived for decades. The science of keeping people alive has advanced faster than almost any other field of human endeavour.

It's one of the more quietly remarkable stories of the past century, and it's still going.

Source: Christiaan Barnard, Cape Town, December 3 1967; International Society for Heart and Lung Transplantation registry data

Japan has over 90,000 people aged 100 or older, by far the highest number of centenarians per capita in the world.Resear...
02/08/2026

Japan has over 90,000 people aged 100 or older, by far the highest number of centenarians per capita in the world.

Researchers have studied this for decades. The consistent findings aren't what most Westerners expect. Strict exercise regimes don't feature prominently. What does: ikigai (a clear sense of purpose), moai (a tight circle of close friends you can rely on), a mostly plant-based diet, and daily movement built into ordinary life rather than scheduled separately.

The research is a good reminder that the things most likely to extend a healthy life are also among the least expensive. Community, purpose, and movement don't require a subscription.

Source: NHK Japan; Blue Zones Research; Dan Buettner, The Blue Zones of Happiness

Around 1 in 4 Australians in their 40s are simultaneously supporting both children and ageing parents financially.Resear...
29/07/2026

Around 1 in 4 Australians in their 40s are simultaneously supporting both children and ageing parents financially.

Researchers call this the sandwich generation, caught between two sets of dependants at the same time. It's a pattern that's becoming more common as people have children later and parents live longer.

If one income in this picture disappears, the financial ripple doesn't stay within a couple. It reaches in both directions.

Income protection and life insurance are often thought of as products for young families. They're just as important for the people holding everything together in the middle.

Source: Australian Bureau of Statistics, General Social Survey; Deloitte Access Economics, The Value of Informal Care 2024

Women outlive men by around 4 years on average in Australia.Which means that statistically, most women will spend some p...
27/07/2026

Women outlive men by around 4 years on average in Australia.

Which means that statistically, most women will spend some portion of their life managing finances independently. Yet women in Australia are significantly more underinsured than men, both in terms of life cover and income protection.

There are a few reasons for this: career breaks for caregiving, part-time work, the assumption that a partner's cover is sufficient. None of them hold up particularly well under scrutiny.

Financial protection isn't a couples product, it's an individual one and based on an individual's situation within their broader family.

Source: ABS, Life Tables Australia 2021-2023; Rice Warner Underinsurance in Australia Report

The average funeral in Australia costs between $15,000 and $19,000. A more elaborate service, burial plot, or interstate...
23/07/2026

The average funeral in Australia costs between $15,000 and $19,000. A more elaborate service, burial plot, or interstate transport can push that significantly higher.

Nobody wants to think about this. That's completely understandable. The problem is that when a death is sudden and unexpected, the people left behind are already processing grief while also being handed a bill they weren't prepared for.

Life insurance exists, in part, so that the financial pressure of losing someone doesn't compound the emotional weight of losing them.

The conversation is quiet, and it takes less time than people expect.

Source: Australian Funeral Directors Association; Canstar funeral cost report 2024

When it's your child in that hospital bed, work becomes secondary almost immediately.Parents of children going through s...
22/07/2026

When it's your child in that hospital bed, work becomes secondary almost immediately.

Parents of children going through serious illness, whether that's cancer, a cardiac condition, or another critical diagnosis, often reduce their hours significantly or step away from work entirely for months at a time. The focus goes where it has to go.

Most Australian households have less than 3 months of savings to cover that period. Income protection insurance is often thought of as a product for the patient. It's just as relevant for the parent who stops earning to be there.

If your child needed you full-time for six months, would your finances hold up?

Source: Cancer Council Australia; Children's Cancer Institute; ABS Household Finance Survey

If someone near you went into cardiac arrest right now, would you know what to do?Around half of all out-of-hospital car...
20/07/2026

If someone near you went into cardiac arrest right now, would you know what to do?

Around half of all out-of-hospital cardiac arrests in Australia receive bystander CPR. Those who do receive it are twice as likely to survive. The other half receive nothing, often because the people nearby simply don't know how.

A first aid course takes a few hours. The knowledge sticks for years. Most community centres, local councils, and workplaces run them regularly, and several are free.

It's one of those small investments that you hope you never need to use, and that you'd be grateful for if you ever did.

Source: Bystander CPR Statistics, Australian Resuscitation Council

1 in 2 Australians will receive a cancer diagnosis at some point in their lifetime.That figure comes from the Australian...
17/07/2026

1 in 2 Australians will receive a cancer diagnosis at some point in their lifetime.

That figure comes from the Australian Institute of Health and Welfare, and it's based on current incidence rates across all cancer types. That figure reflects how long we now live and how much better we are at detecting cancers that previously went undiagnosed. A mathematical reality, not a scare statistic.

The treatment odds are better than they have ever been. The financial disruption during treatment remains significant regardless. Time off work, out-of-pocket medical costs, and the need for support don't disappear because the prognosis has improved.

Source: AIHW, Cancer in Australia 2024

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