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Mar 173 min read

LIFE INSURANCE TIPS

Why Do Life Insurance Premiums Increase Each Year?

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Disability Insurance Tips 2 posts
Healthy Living Tips 2 posts
Insurance premiums 2 posts
BMI and Health Risks 1 post
Increases 1 post
Inflation 1 post
Insurance claims 1 post
Insurance policy management 1 post
Insurance review 1 post
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Life Insurance Costs 1 post
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Own vs Any Occupation 1 post
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Merlin Wealth Protection

Copyright © 2026 Merin Financial Services Pty Ltd. All rights reserved.

Legal: General Advice Warning, Terms & Conditions, Financial Service Guide & Privacy Collection Statement:

General Advice Warning

Terms & Conditions

FSG and Privacy Collection Statement

General Advice Warning

Merlin Financial Services Pty Ltd ATF Claudio Tan Family Trust, Corporate Authorised Representative No. 1315582) and all our advisers are Authorised Representatives of Finchley & Kent Pty Ltd, Australian Financial Services Licence No. 555169, ABN 50 673 291 079, and has its registered office at Level 63, 25 Martin Place, Sydney NSW 2000. Finchley & Kent Pty Ltd Australian Financial Services Licence applies to financial products only. Please note that Property Investment, Tax & Accounting, Mortgages & Finance are not considered to be financial products.

Disclaimer

The information contained within the website is of a general nature only. Whilst every care has been taken to ensure the accuracy of the material, Merlin Financial Services Pty Ltd ATF Claudio Tan Family Trust and Finchley & Kent Pty Ltd will not bear responsibility or liability for any action taken by any person, persons or organisation on the purported basis of information contained herein. Without limiting the generality of the foregoing, no person, persons or organisation should invest monies or take action on reliance of the material contained herein but instead should satisfy themselves independently of the appropriateness of such action.

Terms & Conditions

This website is operated by Merlin Financial Services Pty Ltd. These are the terms and conditions for use of this site and access to the information contained on this site. By using this site, you agree to these terms and conditions.

Merlin Financial Services:
- do not give any warranty or make any representation as to the accuracy, reliability, completeness or security of the information contained on this site and as to changes in circumstances after the date of publication that may impact on the accuracy of the information;
- may change and update the information from time to time;
- make no representation in relation to, and are not responsible in any way, for the content of any other site you access via this site; and
- own the copyright in the information on this site.
Users must not use or reproduce any of the trademarks or other intellectual property appearing on this site.
Users of this site must not:
- do anything to alter or modify the information on this site;
- use the material on this site for any purpose other than as a source of information for personal use unless authorised to the contrary;
- distribute, copy or otherwise reproduce in any way any of the material available from this site unless it is expressly authorised;
- post any material which is defamatory, in breach of copyright, in breach of the Competition and Consumer Act 2010 or otherwise in any way unlawful or inappropriate.
Users can print a hard copy of material on this site for their personal use only other than material where this is prohibited by a notice to that effect on this site.
The information contained on this site is made available to residents of Australia and its territories and is not intended to be a recommendation, offer or invitation to take up securities or to make a decision in respect of any financial product or any other matter.
We, our Authorising Licensee are not liable in any way to any person for any loss, damage, cost or expense incurred as a result of the material contained on this site or from unauthorised access to, or any misuse of this site including, without limitation, any negligence by us.
All references on this site to "$" or "dollars" are references to Australian currency unless otherwise stated.
Users of this site agree to indemnify us and our Authorising Licensee from all liability, cost and expense, (including legal fees) arising directly or indirectly from the use or distribution by any person of material placed on the site by the user or from the alteration, modification of or addition to material on the site by the user.
We, our Authorising Licensee do not endorse and are not responsible for information, feedback, questions or comments placed on this site by third parties. We can reproduce, use, disclose and distribute the information to others in our absolute discretion.
Links to other sites are provided for your convenience only. Any such links do not constitute or imply endorsement or recommendations of any other company, product or service or any affiliation between us and other organisation (unless otherwise expressly stated).
You consent to us monitoring your use of this site, and agree that we may suspend the operation of this site, or restrict your use of it, at any time and without any further notice to you.

Financial Services Guide

The Financial Services Guide (FSG) explains the financial services and advice provided by the Authorising Licensee and your Authorised Representative Financial Adviser (Adviser). The FSG provides information on what to expect during the financial advice process including the types of documents you are likely to receive, how we manage privacy, related parties and potential conflicts of interests, and how we manage complaints.

We respect your privacy and committed to protecting and maintaining the security of the personal and financial information you provide us.

Privacy Collection Statement

The privacy of your personal information is important to us. Your representative will ask you many questions. Why is so much information required?

The privacy of your personal information is important to us. We collect your personal information to enable us to provide you with the products and services that are appropriate to your needs. Under the following Australian laws we may be authorised or required to collect your personal information:

Corporations Act 2001;
Australian Securities and Investment Commissions Act 2001;
Anti-Money Laundering and Counter Terrorism Financing Act 2006;
Taxation Administration Act 1953;
Superannuation Guarantee (Administration) Act 1992; and
Superannuation (Unclaimed Money and lost members) Act 1999.

From time to time other acts may require or authorise us to collect your personal information. We are required to collect sufficient information to identify a person’s needs, objectives and financial circumstances so that we can provide appropriate financial advice. We will gather the information by asking you numerous questions about you and possibly your family. We will record this information. We endeavour to retain accurate, complete and up to date personal information about you so we will ask you to review the information from time to time.
If the information you provide to us is incomplete or inaccurate this will impact on our analysis of your requirements and may result in advice that is not appropriate to your needs and circumstances. If this does occur, you will need to make your own assessment concerning the appropriateness of our advice. At times, we may collect personal information from someone other than yourself and you may not be aware that we collect or have collected this information.

Access and correction: You may (subject to permitted exceptions) access and update your information by contacting us. You may access the personal information we retain and request corrections. This right of access is subject to some exceptions allowed by law. We will give you reasons if we deny access though will endeavour to ensure that at all times the personal information about you that we hold is up to date and accurate. The accuracy of the personal information is dependent to a large degree on the information you provide and you should advise us if there are any errors in your personal information.
Overseas disclosure: Sometimes we need to provide personal information to or get personal information about you from persons located overseas. For example, we may outsource a function involved in the financial planning business to someone based overseas. Nevertheless, we will always disclose and collect your personal information in accordance with Privacy Principles.
Identifiers: Although in certain circumstances we are required to collect government identifiers such as tax file numbers, Medicare number or pension card number, we do not use or disclose this information other than when required or authorised by law or unless you have voluntarily consented to disclose this information to any third party.
Dealing with us anonymously or using a pseudonym: The nature of the provision of financial services does not lend itself to treating customers with anonymity. All transactions require personal information about the individual for whom the transaction is being completed. In some instances, we may be able to provide information or a service anonymously or to you under a pseudonym, for example, enquiries about products from a potential client. You can deal with us anonymously where it is lawful and practicable to do so.
Marketing practices: Every now and then we might let you know about news, products and services that you might be interested in, via mail, email, SMS, telephone or online. We will engage in marketing unless you tell us otherwise. You can contact us at any time to update your marketing preferences.
Sensitive information: We will not collect sensitive information about you, for example where information is provided by you for insurance or risk purposes, without your consent. Exceptions to this include where the information is required by law or for the establishment, exercise or defence of a legal claim.
Privacy complaints: If you believe your privacy has been breached or you have a privacy complaint you should write to the Privacy Officer at Finchley & Kent by email at sam@finchleyandkent.com.au. If Finchley & Kent does not satisfactorily address your complaint you can escalate it to the AFCA, the External Dispute Resolution Scheme of which Finchley & Kent is a member.

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