General

While you and your friend might be at the same age and stage, your insurance premiums may well look very different. This is because your premium is about more than the standard age-and-gender-based underlying rate. It also takes into account your unique personal circumstances. Here’s an in-depth look at how insurance premiums work, and why yours might be […]

We plan and prepare for our children’s future with great enthusiasm and planning, but we often forget that life is unpredictable, and securing our children’s future is vital to their success. But it is surprising that most people do not consider appointing a guardian or drafting a will for their children and securing their future

The ownership of an insurance policy isn’t as simple as it sounds. There are several different types of policy ownership, and each comes with its own considerations. But there’s one thing all policy ownerships have in common; they’re determined by law. And your insurer always has to follow the law, no matter what. Did you

None of us wants to fall ill, but it’s a fact of life that it happens from time to time. If you or a family member were to become unwell, perhaps seriously, wouldn’t you want timely access to quality medical care, when and where it suits you? Private health insurance can help to give you

A key-person is a key employee or member who is vital to the operation of the business, and his/her death, disability or absence can prove disastrous for the company or organisation. Some of these financial consequences are as follows: Purchasing key person insurance can help offset these problems. These benefits can help the business remain

In the hustle and bustle of the world, we often forget that anything can happen to anyone at any time. So it is important to secure the future of your family and loved ones. So, if we can’t be here tomorrow, they can live life to the fullest and with pride. Having life insurance can

When things start going bad it can trigger the domino effect of problems whether you talk about personal or business debts, both are liabilities and should be taken care of. And things can get really bad. If your partner or a key staff member is absent due to unforeseen circumstances, your business’s ability to pay

What if a permanent injury or illness can make it difficult or impossible to return to work. Total Permanent Disability insurance can be the solution here. When deciding if you need TPD insurance, and how much, think about the expenses you’ll need to cover if you were permanently disabled and unable to work. These could

Let’s put an important peg in the ground: Your income is your greatest asset. It is the key source you fund your lifestyle with. Think about this; if you had a machine that printed money each month, you’d make sure you had insurance in place to protect it if it broke down, right? Well guess

Bad things happen in the world. While many things make headlines and attract a lot of attention, no one talks about the business, and financial strain of covering business expenses due to the disability of the key person or business owner. At Halo Advisors, we bring you exceptional advisory solutions for Loss of Revenue Protection.