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Richard

Richard is an insurance content producer and publisher for finder.com.au. While Richard is unable to provide personalised advice, his research background allows him to get to the core of an idea and explain it in layman's terms. Richard is on a mission to make insurance easier to understand.

Recent Activity

Hi Mary, Thanks for your question. Funeral insurance doesn't have a cap. Something you may be interested in finding out more about is a pre-paid funeral plan. I hope this was helpful, Richard

Commented on Budget Direct Life Insurance

Hi Delphine, Thanks for your question. finder.com.au is a comparison service and not an insurer. It will depend on the type of policy you have. However, most policies in Australia are term life policies. If your policy is a term life insurance policy it won't have a cash value, so there is no surrender value. You should contact your insurer for more information specific to your situation. All the best, Richard

Commented on Life Insurance – Receive Life Cover Quotes from Australian Insurance Brands

Hi Karen, Thanks for your question. finder.com.au is a comparison service and APIA is not currently part of our panel. If you would like to speak with a broker about getting a quote for the insurance brands in our panel, please complete the contact form on the life insurance homepage. All the best, Richard

Commented on Apia Life Insurance Review

Hi Satish, Thanks for your question. Claim conditions vary between insurers but you will need to have an active super account. There may also be a waiting period for claims. You should contact your super fund/insurer for more information. All the best, Richard

Commented on Total and Permanent Disability (TPD) Insurance and Superannuation

Hi T, Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide our users with personalised financial advice. Applicants must have plans to return to Australian after a period of five years. Applicants that decide to stay overseas may be required to take out a policy in their country of residence. If you would like to speak with an advisor, please complete the contact form above. I hope this was helpful, Richard

Commented on Life Insurance for Australian Expats

Hi Raye, Thanks for your question. Generally there are no refunds for premiums paid outside of the cooling off period. However, if you would like to speak with a broker about reducing the amount you're covered for and by doing so reduce your premiums, please complete the contact form on the life insurance homepage and an advisor will be in touch. All the best, Richard

Commented on HCF Life Insurance

Hi Heather, Thanks for your question. finder.com.au is a comparison service and we are unable to provide our users with personalised financial advice. Generally, pre-existing conditions are assessed on a case by case basis, which means there isn't a definitive yes or no answer. If you would like to speak with an advisor about your cover options, you can do so by completing the contact form above. All the best, Richard

Commented on Income Protection Insurance

Hi Kerrie, Thanks for your question. Accidental death policies only provide a benefit if your death is the result of an accident. All the best, Richard

Commented on Westpac Accidental Death Insurance

Hi Kini, Thanks for getting in touch. Unfortunately, the panel of insurers finder.com.au work with don't currently offer pre-paid funeral plans. There are various providers in Australia including Simplicity Funerals and Guardian Funerals that offer these services. finder.com.au is a comparison service and we are not permitted to provide personalised financial advice or product recommendations. You should carefully consider all your options before making a decision. I hope this was helpful, Richard

Commented on Funeral Insurance for Pensioners

Hi Kini, Thanks for your question. Unfortunately, the majority of the insurers we surveyed have a maximum entry age of between 75-79. However, they may be able to set up a Prepaid Funeral Plan. I hope this was helpful, Richard

Commented on Funeral Insurance for Pensioners

Hi Rodney, Thanks for your question. Unfortunately, none of the insurers in the finder.com.au panel offer income protection insurance to people over the age of 65. DUAL Australia and Holdfast offer cover to those over the age of 65. finder.com.au is a comparison service and we are not permitted to provide personalised financial advice or product recommendations. You should carefully consider all your options before making a decision. I hope this was helpful, Richard

Commented on Income Protection for Self-Employed Workers

Hi Chris, Thanks for your question. finder.com.au is a comparison service and not an insurer. For the Virgin Life Insurance Involuntary Unemployment Benefit to kick in: "After your cover has been in force for 6 months (unemployment arising before this time is excluded), you are covered if you are made Involuntarily Redundant and are out of work for longer than 28 days." I hope this was helpful, Richard

Commented on Virgin Quick & Easy and Tailored Life Insurance

Hi Leon, In the previous message there is a link to the NRMA page that offers cover for redundancy. None of the insurers in our panel offer redundancy cover as a standalone option. The only standalone product available in Australia (that I'm aware of) is Income Security insurance available from Avea Insurance Limited. We do not have a review for this product. You should consult the relevant product disclosure statement to assess whether or not this policy is right for you. finder.com.au is a comparison service and we are not permitted to provide users with product recommendations. Cheers, Richard

Commented on Will My Income Protection Policy Pay Out if I am Made Redundant?

Hi Leon, Sorry about that I thought you were looking for a policy you had previously held. Most income protection insurance policies in Australia do not provide cover for redundancy. However, NRMA provide Involuntary Unemployment Cover. I hope this was helpful, Richard

Commented on Will My Income Protection Policy Pay Out if I am Made Redundant?

Hi Leon, Thanks for your question. finder.com.au is a comparison service. You may find our finding unclaimed money article helpful. I hope this was helpful, Richard

Commented on Will My Income Protection Policy Pay Out if I am Made Redundant?

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