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638b life insurance myths + protecting you, your family & your income (life insurance deep dive Q&A)

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The Essentials of Income Protection Insurance

This chapter explores the critical role of income protection insurance and dispels common misconceptions about its necessity. It emphasizes the importance of understanding various insurance types, their unique pricing structures in Australia, and strategies for optimizing coverage. The discussion also addresses the complexities of underwriting and the significance of honest health disclosures, particularly regarding genetic testing and pre-existing conditions.

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