Users to pay for aged care The decision around whether to get some home help or move to where you or a loved one can get support and care is never an easy one. But since 1 July changes to the aged care system in Australia should have given individuals and families a clearer understanding.

Personal insurance premiums have increased significantly over the past 18 months, running the risk that cost-conscious consumers might consider cutting back their cover. Suddenly those quick, off-the-shelf insurance products advertised on TV look enticing. But simple is not always cheaper, the cover may be inadequate or, worse still, may not pay out when you need.

With your house paid off, the children grown up and your retirement savings on target, you could be lulled into a false sense of security that you no longer need personal insurance. If you or your partner were to die, then little may change in your financial situation. But what would happen if one of.