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This is the privacy policy statement for Life Insurance Online and Clark Family Pty Ltd in relation to this website.
We have created this privacy policy statement in order to demonstrate our firm commitment to privacy. The following discusses our information gathering and dissemination practices for this website.
To process your financial services referral request, Life Insurance Online requires your name, phone number, Email address, and any other information pertinent to the type of service you are requesting.
This information is used by the third party product and service providers in our network to provide accurate responses to your enquiries. Life Insurance Online provides this information to them on your behalf in order for them to provide a product or service to you. (Unless otherwise notified by us, these companies do not have any right to use the personally identifiable information we provide to them beyond what is necessary to assist us)
Personal information, including contact information, will never be released to any other party at any time.
Please Note: This website contains links to other websites. Clark Family Pty Ltd is not responsible for the privacy practices or the content of those websites.
Life Insurance Online uses cookies to record session information and user-specific information on what web pages visitors access or visit in order to track the visitor's progress through our web site, analyze system performance, and ensure that visitors are not repeatedly sent the same promotional material.
We use third-party advertising companies to serve our ads on our website. These third-party advertising companies employ cookies and 1x1 pixel .gifs or web beacons to measure and improve the effectiveness of ads for their clients. To do so, these companies may use anonymous information about your visits to our website and other websites. This information can include: date/time of banner ad shown, the banner ad that was shown, their cookie, the IP address. This information can also be used for online preference marketing purposes.
You may access your personal information, subject to a number of exceptions permitted by law. We reserve the right to determine the manner in which the information is accessed. If we deny you access we will provide you with written reasons and, depending on the circumstances of the denial, we may provide sufficient access to information through mutually agreeable intermediaries to meet the needs of you and us. If you request access to your personal information, you may be charged a reasonable fee or costs incurred such as photocopying, administration and postage.
If you would like access to your personal information please contact us. To ensure security and protection of your information, we may ask that your request be in writing.
To ensure that our privacy policy reflects market expectations and needs we will constantly review it and update it from time to time as the need arises.
If you have any queries or problems whatsoever in relation to our privacy policy or the handling of your personal information, please contact us
Further information about privacy issues and the protection of your personal information is obtainable from the Australian Federal Privacy Commissioner on: 1300 363 992.
If you consider that any action of ours breaches this Privacy Policy or the National Privacy Principles or otherwise does not respect your privacy, you can make a complaint. This will be acted upon promptly. To make a complaint, please contact Life Insurance Online in the first instance. If you are not satisfied with our response to your complaint, you can telephone the Australian Federal Privacy Commissioner`s hotline on: 1300 363 992.
If you have any question about this privacy statement, the practices of our website, or your dealings with our website, you can contact us.
We are a proud member of the Financial Services Online network!
Connect with us on your favourite social media platform for the latest financial news, views, tips, tricks, resources and information.
| Understanding the Role of Life Insurance in Your Estate Plan Estate planning is a critical process that often goes overlooked, but it's essential for securing the financial future of your loved ones and ensuring your assets are distributed according to your wishes. It involves the careful organization and protection of an individual’s estate to minimize uncertainties and facilitate the smooth transfer of assets after their passing. While it may seem complex, understanding the basics of estate planning is necessary for every Australian adult, regardless of wealth. - read more
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| Understanding Your Insurance Needs at Every Life Stage Navigating the complex world of insurance can often feel daunting, but understanding the importance of life stage consideration when choosing life insurance is essential. As we journey through the various chapters of our lives, our financial responsibilities, dependents, and personal circumstances evolve. These changes invariably have significant implications for our insurance needs. - read more
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| Life Insurance for Young Adults: Why It’s Never Too Early to Get Covered Life insurance might not be at the forefront of your mind, especially when you're young and healthy. However, understanding the essence of life insurance early on can significantly impact your financial future and provide much-needed peace of mind. - read more
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| How Life Insurance and Estate Planning Work Together for Your Benefit For many Australian families, the concept of estate planning might evoke imagery of vast wealth and complex legal documents, reserved for the very affluent. However, this misconception overshadows the universal importance of having an estate plan, which at its core, is about ensuring your loved ones are cared for and your wishes are honored upon your passing—even if you don't consider yourself wealthy. - read more
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| How Much Life Insurance Do You Truly Need? Assessing Your Personal Coverage There's often confusion surrounding the amount of life insurance one truly needs. Common misconceptions cloud our judgment, leading some to undervalue their coverage, while others may overinsure, unnecessarily straining their financial resources. It is a delicate balance to strike, and understanding the nuances of life insurance is pivotal to making informed decisions. - read more
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Covering the Unexpected: A Guide to Trauma Insurance for Australian Families Trauma insurance, also known as critical illness insurance, is a type of coverage that provides a lump sum payment in the event that the insured suffers from a critical illness or injury. Unlike health insurance, which covers medical expenses, trauma insurance is designed to provide financial protection by helping to cover the additional costs associated with recovery from a severe illness or injury. - read more
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Life Insurance Essentials: Protecting Your Growing Aussie Family Life insurance remains one of the most crucial considerations for new parents aspiring to provide a secure future for their growing families. The arrival of a child marks a transformative moment, redefining priorities and responsibilities. At its core, life insurance is a safety net, designed to offer financial protection and stability to loved ones in the event of an unforeseen tragedy. - read more
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Securing Your Family's Future: How Life Insurance Offers Peace of Mind Life is a tapestry of precious moments, each framed by the inevitable uncertainty that the future holds. The awareness that our paths are peppered with unpredictability can often cast a shadow of concern, affecting how we cherish the present. For many, the well-being of family remains the cornerstone of life's purpose, driving the need for a foundation that offers stability and reassurance in the face of life's unexpected challenges. - read more
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Understanding Life Insurance: Coverage Types to Protect Your Loved Ones The importance of life insurance in financial planning: Life insurance isn’t just a policy; it’s a cornerstone of comprehensive financial planning. By protecting your family’s financial future, life insurance offers peace of mind, knowing that your loved ones will be taken care of in the event of your untimely passing. It’s not solely about leaving behind a legacy, but also ensuring that your family can maintain their standard of living, pay off debts, and cover end-of-life expenses without financial burden. - read more
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Understanding the Role of Life Insurance in Your Estate Plan Estate planning is a critical process that often goes overlooked, but it's essential for securing the financial future of your loved ones and ensuring your assets are distributed according to your wishes. It involves the careful organization and protection of an individual’s estate to minimize uncertainties and facilitate the smooth transfer of assets after their passing. While it may seem complex, understanding the basics of estate planning is necessary for every Australian adult, regardless of wealth. - read more
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| Insurers Face Intense Scrutiny Over Quake Claim Rejections 21 Nov 2024: Paige Estritori In recent months, Muswellbrook, a town in New South Wales, has experienced a series of earthquakes that have left residents grappling with both physical destruction and emotional distress. Criticism is mounting against insurers as more than 600 claims have emerged, following these seismic events, yet many remain unresolved or denied. - read more |
| AI Regulations: A Web of Complications 20 Nov 2024: Paige Estritori The Insurance Council of Australia (ICA) has raised concerns about the potential fallout from a fragmented regulatory approach to artificial intelligence and automated decision-making in the industry. There is fear that this patchwork of reforms could result in conflicting requirements, heavier compliance burdens, and increased industry confusion. - read more |
| APRA Survey Reveals Impact of Climate Change on Insurance Industry Practices 19 Nov 2024: Paige Estritori A recent analysis by the Australian Prudential Regulation Authority (APRA) reveals that over 90% of general insurers and reinsurers anticipate climate change will influence their underwriting procedures, posing new challenges to the industry. - read more |
| Fraudulent Claims Lead to Complete Denial of Compensation 18 Nov 2024: Paige Estritori In a remarkable case highlighting the severe consequences of insurance fraud, an individual's attempt to inflate a theft insurance claim has resulted in the total denial of compensation. Despite a significant portion of the claim being genuine, fraudulent actions negated any potential payout. - read more |
| Soaring Insurance Premiums Amid Changing Climate 14 Nov 2024: Paige Estritori As climate change persists, the impact of severe weather on insurance premiums is becoming more evident, pushing affordability out of reach for many Australians. Bernadette Systa, a mother of five, faced an undeniable financial strain as her annual home and contents insurance costs surged from a modest amount to more than twice what she initially paid. This experience echoes a growing dilemma faced by households across the country. - read more |