What to do when the unexpected happens — and how to set yourself up for success before it does.

Wishing you all a happy and safe Easter

TPD insurance is about protecting your future income and lifestyle—not just getting any payout, but the right one when you need it. The choice between Own Occupation and Any Occupation can make a huge difference in a claim scenario.

When you apply for life insurance (such as life cover, total and permanent disability, or critical illness policies), insurers evaluate various factors, including your BMI. A higher BMI can sometimes lead to higher premiums or loadings due to increased health risks. On the flip side, maintaining a healthy BMI can unlock real savings. Several insurers offer premium discounts—often lifetime—for applicants in certain BMI ranges at the time of application.

Welcome to our revamped website, officially relaunched this CNY. It's been a busy time, refocusing our business towards doing what we can do best - helping more Australians to secure their finances through appropriate and affordable cover. We'll continue to add valuable insights, so check back in any time. If you have any questions, please contact us and we'll assist you. In the meanwhile we wish you a wonderful and prosperous New Year! Best regards, Merlin Team.