Insurance Link

In winter, it’s easy to go from home to car to office and back again - without ever really getting outside.

But even 20-30 minutes of natural light during the day can make a big difference to:
☀️ Your vitamin D production, which supports bone health and immunity
☀️ Your sleep cycle regulation
☀️ Your mood and energy levels

A quick lunchtime walk, sitting near a window or stepping outside with a coffee all count.

Your body will thank you!

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"Is this even relevant?" It's the question many people ask themselves when filling out an insurance application.

The honest answer is, more than you might think.

Insurers use the details you provide to tailor your cover to your circumstances, including past and current medical conditions.

Leaving something out (no matter how small or irrelevant it may seem) can affect a claim down the track.

💡 Our advice: when in doubt, disclose. We can help with that too, by asking the right questions so nothing gets missed.

💬 Ready to apply for cover? Let’s talk.

Is the freedom you worked so hard for protected?

Being self-employed means no boss, no fixed hours, no one else calling the shots. But it also means there's no built-in safety net if something goes wrong.

👉 Here are a few things worth thinking about when protecting your income, your health and your business.

💬 Want to talk about your needs? Get in touch. We can help you build a plan that fits your goals.

If illness or injury kept you off work, how long could you afford to wait for your income protection to kick in? ⏳

The waiting period is how long you must be off work before payments start; options vary depending on the provider.

⏱️ All else being equal, the shorter the wait, the higher your insurance premiums.

💡 A good rule of thumb: choose a waiting period that aligns with how long your savings could realistically cover your living expenses.

💬 Not sure where you sit? Get in touch. Your Insurance Link adviser can help you work out what makes sense for your situation.

One of the best things you can do for your health costs nothing: sleep. 🌙

Studies show that quality sleep supports your immunity, energy, mood and long-term wellbeing – and as insurance advisers, looking after people is at the heart of what we do.

A few habits that can help:
💤 Keep consistent sleep and wake times (even on weekends)
💤 Wind down screens an hour before bed
💤 Keep your bedroom cool and dark
💤 Cut back on caffeine after midday

Small habits, real impact. Need a little extra protection for your financial health? We’re here for that.

💬 Get in touch with your Insurance Link adviser today.

Heading overseas for a while? Whether it’s an OE, work secondment or an extended trip, check in on your personal insurance before taking off. ✈️

A few things worth asking your Insurance Link adviser:
✅ Does my cover continue while I’m abroad?
✅ Do I need to notify my insurer?
✅ Could my premiums and policy conditions change?
✅ What happens if I’m gone longer than planned?

The details vary by policy and provider – which is why a quick conversation now can save a lot of headaches later.

💬 Get in touch before your next adventure. We're here to help.

Not all life insurance premiums work the same way – and choosing one or the other can make a big difference over time.

👉 Scroll to find out more.

💬 Want to see the numbers side by side? Talk to your Insurance Link adviser. We’re here for your questions.

There’s a lot of insurance information out there, and we’re all for people doing their research 👏

But when it comes to finding the right cover for your situation, the details can get complicated quickly.

🔎 Which insurance type covers what?
🔎 What are you required to disclose?
🔎 What counts as a pre-existing condition?
🔎 How do waiting periods and exclusions work?

That’s where insurance advice can make all the difference. Your Insurance Link adviser can help you cut through the noise, compare your options and make sure you understand what you’re signing up for.

💬 Do you have any questions? We’re just a quick phone call away.

Got a pay rise lately? Or working with a tighter budget? Either way, it may be worth taking a fresh look at your cover.

💸 Pay rise? You might be able to afford more cover - or find that what you have no longer reflects your lifestyle and commitments.

📉 Income dropped? It’s worth checking your cover still fits your situation. A review can help ensure it remains affordable, appropriate, and focused on what matters most to you.

Either way, let’s talk. Your Insurance Link adviser is here to review your insurance plans.

If it's been a while (or you can't quite remember), it might be time for a quick check-in.

Life can change fast. A new job, a pay rise, a growing family… any of these can mean your cover is due for an update.

💡 A good rule of thumb? Review your cover at least once a year - or sooner if something changes.

💬 An Insurance Link adviser can help make sure your cover still fits where you're at.