https://www.norfinancial.com/industry-insights-1 daily 0.75 2026-02-12 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1489537542101-OECZY2JTQ8LXWUMN4A2B/blue+background+5.jpg Financial Industry Insights https://www.norfinancial.com/industry-insights-1/2025/9/10/investment-structures-for-doctors-in-australia-trusts-companies-bonds-and-super monthly 0.5 2025-10-17 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1757570994290-CMKW4NHRKXPDGDP8JHT8/unsplash-image-SC-MOJotQyc.jpg Financial Industry Insights - Investment Structures for Doctors in Australia: Trusts, Companies, Bonds and Super - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.norfinancial.com/industry-insights-1/2023/8/28/low-cost-superannuation-june-2023 monthly 0.5 2023-09-13 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1693188881873-BPQJBPMV89C003DJNH76/image-asset.jpeg Financial Industry Insights - Low Cost Superannuation - June 2023 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/f7cde877-0d13-46bb-81cb-5316a6bb95a3/Screenshot+2023-08-29+092005.png Financial Industry Insights - Low Cost Superannuation - June 2023 - Make it stand out Vanguard Asset allocation https://www.norfinancial.com/industry-insights-1/2022/10/04/lessons-on-budgeting-and-interest-rates-from-generations-past monthly 0.5 2022-10-07 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/ca09a657-27a2-4ff0-80ed-d5e9a7ff7b36/skyfall.jpg Financial Industry Insights - Lessons on budgeting and interest rates from generations past - Make it stand out The Sky didn’t fall for the generations before us. https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1665066642014-L4RAZRL2WC8PRZ1XVQL5/unsplash-image-auEPahZjT40.jpg Financial Industry Insights - Lessons on budgeting and interest rates from generations past - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.norfinancial.com/industry-insights-1/2022/7/30/how-do-insurers-assess-mental-health monthly 0.5 2022-12-12 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1659151290669-48Y38IBUZZG23QW3RD9F/unsplash-image-JeCNRxGLSp4.jpg Financial Industry Insights - How do insurers assess mental health? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.norfinancial.com/industry-insights-1/2022/02/03/insurance-costs-still-on-the-rise-will-it-ever-end monthly 0.5 2022-02-24 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1645672174007-7GWPQQZLNKSEMGADR7HV/unsplash-image--JbOrVnwYjw.jpg Financial Industry Insights - Insurance costs still on the rise - Will it ever end? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.norfinancial.com/industry-insights-1/2021/10/28/income-protection-what-changed-on-october-1st monthly 0.5 2022-12-12 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1635389047392-2EFY0YVWM7CEE908723S/unsplash-image-6rkJD0Uxois.jpg Financial Industry Insights - Income Protection Insurance - What changed on October 1st? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1635839941606-XYP84WU2A82O09DI5W5I/unsplash-image--Bq3TeSBRdE.jpg Financial Industry Insights - Income Protection Insurance - What changed on October 1st? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.norfinancial.com/industry-insights-1/2021/9/1/level-premium-structures-true-or-false monthly 0.5 2022-12-12 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1630461511050-K8QP66N7UR8C0TDGEX52/unsplash-image-iMRlp_Ldxus.jpg Financial Industry Insights - Level Premium Structures - True or False? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1630459815766-I9NBN9JSZDRFPWWQMMQW/rick+level.gif Financial Industry Insights - Level Premium Structures - True or False? - What are Level Premiums? Level Premiums are based on the age you were when your policy began. Essentially, your premium is averaged out (typically until age 65) so you pay more now and less later, when you are more likely to claim. Whatever it is, the way you tell your story online can make all the difference. https://www.norfinancial.com/industry-insights-1/2021/8/9/last-one-out-please-turn-off-the-lights monthly 0.5 2023-01-17 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1628469877424-2YD1JHPAFQU03WO7QMRG/unsplash-image-kYlYwQze5vI.jpg Financial Industry Insights - Last one out, please turn off the lights. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1628477243973-33PJH06QMPOJJRD5UNWL/unsplash-image-g0-N3ftLetM-cropped.jpg Financial Industry Insights - Last one out, please turn off the lights. - The writing is on the wall…? Current insurance products are simply too generous and with low interest rates and high claims its clear that they are not sustainable. The previous assumption that you could rely on life insurance products such as income protection and TPD to cover you for long or even medium term illness for the long term appears to be flawed. https://www.norfinancial.com/industry-insights-1/2021/2/2/why-fee-for-service-advice-and-doctors-work-together monthly 0.5 2023-01-17 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1612251550472-TFSLO83UAJZUYMEURQO1/image-asset.jpeg Financial Industry Insights - Why Fee for Service advice and Doctors work together https://www.norfinancial.com/industry-insights-1/2021/1/22/october-2021-sustainable-ip-versus-long-term-benefits monthly 0.5 2021-01-25 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1611281514861-HELJK8YREVQ0B9UN9YOL/image-asset.jpeg Financial Industry Insights - October 2021 - Sustainable IP versus Long term benefits Try not to get your fingers caught as the door on guaranteed renewable IP slams shut in October. https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1611544385003-DT22T0H9UT9H3IGKJ617/image-asset.jpeg Financial Industry Insights - October 2021 - Sustainable IP versus Long term benefits Stepping stones make the way forward far less certain https://www.norfinancial.com/industry-insights-1/2020/9/16/the-great-shift-insurance-costs-are-spiraling monthly 0.5 2023-01-17 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1602056662804-JVMDTTQHQIHWYY5UOXS4/image-asset.jpeg Financial Industry Insights - The Great Shift - Insurance costs are spiraling. https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1602056743050-MOJP4O0BZW8MOWTJN08M/image-asset.jpeg Financial Industry Insights - The Great Shift - Insurance costs are spiraling. https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1602056431607-8TFI31U07TQ9NQ2YMZE4/Legacy+books.png Financial Industry Insights - The Great Shift - Insurance costs are spiraling. https://www.norfinancial.com/industry-insights-1/2020/6/9/reduce-your-tax-or-weather-the-storm-how-to-make-the-most-of-super-contributions monthly 0.5 2024-05-16 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1591676250213-F2UWDSYYOZVSBOXZFDEE/image-asset.jpeg Financial Industry Insights - Reduce your tax or weather the perfect storm? - How to make the most of Super Contributions. https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1591675885309-PQVK6YDA6KCN6WBYIWKY/Concessional+conts.jpg Financial Industry Insights - Reduce your tax or weather the perfect storm? - How to make the most of Super Contributions. https://www.norfinancial.com/industry-insights-1/2020/3/12/april-2020-has-the-income-protection-ship-sailed monthly 0.5 2020-03-12 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1583979507701-5H13PPYMGL51XDMFLDRN/april-fools-rejected-800x450.jpg Financial Industry Insights - April 2020- Has the Income Protection ship sailed? https://www.norfinancial.com/industry-insights-1/2020/1/10/comms-costs-and-the-code monthly 0.5 2023-09-13 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1578649792522-LWN1IR81P9R130V9NVBD/image-asset.jpeg Financial Industry Insights - Comms, Costs and "The Code" If you feel like your head is spinning, you are not alone. https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1578651945269-U1NHMTQ0JNHTVQ5EXXIX/image-asset.jpeg Financial Industry Insights - Comms, Costs and "The Code" The Code of Ethics is a subtle beast indeed https://www.norfinancial.com/industry-insights-1/2019/12/4/the-end-of-great-income-protection-policies monthly 0.5 2021-01-10 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1575422772283-2TEFC1P5HJ30QYA0RIQM/image-asset.jpeg Financial Industry Insights - March 2020 - The end of great Income Protection Policies? APRA stepping in to limit losses and provide sustainability. https://www.norfinancial.com/industry-insights-1/do-life-insurers-really-pay-claims monthly 0.5 2021-01-11 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1610321843515-GTAZ326QQMFZGV5I170E/Australian+Money.jpg Financial Industry Insights - Do life insurers really pay claims? https://www.norfinancial.com/industry-insights-1/2019/9/12/genetictesting monthly 0.5 2019-11-25 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1568259166494-99IVYZFM9P4ZMO15Z9N2/image-asset.jpeg Financial Industry Insights - Genetic Testing and your insurance application https://www.norfinancial.com/industry-insights-1/what-is-indexation-and-how-does-it-work monthly 0.5 2021-01-11 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1610322370566-3A85OYIBN9WCTKFBIU93/Financial+Planning+Australia.jpg Financial Industry Insights - What is indexation and how does it work? https://www.norfinancial.com/industry-insights-1/4-key-factors-impact-your-insurance-premium monthly 0.5 2021-01-11 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1610321533275-NIX00QSEX975XWPHQYGV/Family+Life+insurance+Premiums.jpg Financial Industry Insights - 4 key factors impact your Insurance Premium https://www.norfinancial.com/industry-insights-1/know-the-difference-between-stepped-and-level-premiums monthly 0.5 2021-01-11 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1610321192071-5OPHDD79DSEIY61XY4RH/Life+Insurance+Superannuation+Premiums.jpg Financial Industry Insights - Know the difference between stepped and level premiums https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1610321267776-QNO9NMHUP5NCN7739UOA/Stepped+and+Level+Premiums+Life+Insurance+Premiums.jpg Financial Industry Insights - Know the difference between stepped and level premiums https://www.norfinancial.com/industry-insights-1/ways-to-buy-and-own-life-insurance monthly 0.5 2021-01-11 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1610320945647-MWDXQJ8O7Q47YSEAEA2V/Life+Insurance.jpg Financial Industry Insights - Ways to buy and own life insurance https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1610320953968-069QXZDZR54GL7F698CW/Life+Insurance+Superannuation.jpg Financial Industry Insights - Ways to buy and own life insurance https://www.norfinancial.com/industry-insights-1/2021/1/11/why-insurance-premiums-go-up-amp-what-you-can-do-about-it monthly 0.5 2021-01-11 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1610320535021-ECLQCH4WPH9HA3EZ74RX/Piggy+bank+saving+NOR+Financial.jpg Financial Industry Insights - Why insurance premiums go up (& what you can do about it) https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1610320652917-3MDLS83WJGX7JL1I1P35/Feeling+down.jpg Financial Industry Insights - Why insurance premiums go up (& what you can do about it) https://www.norfinancial.com/industry-insights-1/2019/6/17/end-of-financial-year-checklist monthly 0.5 2019-06-17 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1528863648158-G1FLQTOHKTJHB2NLY10U/NOR+Financial+Stock+7.jpg Financial Industry Insights - End of 2019 Financial Year Checklist https://www.norfinancial.com/industry-insights-1/2019/6/6/is-this-game-over-for-default-insurance-under-superannuation monthly 0.5 2019-06-14 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1559874497384-U7KU4LVBCO077SY0CYNN/image-asset.jpeg Financial Industry Insights - Is this game over for default Insurance under Superannuation? https://www.norfinancial.com/industry-insights-1/offsetyourmojo monthly 0.5 2019-01-29 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1547446881640-G17F2CH5OVCG197J1QZX/serviette-overview+%281%29.jpg Financial Industry Insights - Are you blowing or growing your Mojo? - Barefoot buckets source: https://barefootinvestor.com/barefoot-steps/step-2-set-up-buckets/ https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1547434492066-H28NATEOYG7A5YBVAC0S/LVR1.png Financial Industry Insights - Are you blowing or growing your Mojo? source: https://www.finder.com.au/how-to-calculate-your-lvr https://www.norfinancial.com/industry-insights-1/2018/9/17/common-mistakes-doctors-make-when-setting-up-insurance monthly 0.5 2019-06-12 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1537168299717-QZX82EC4VB6WIW9IZCJI/american-3577500_960_720.jpg Financial Industry Insights - Common mistakes Doctors make when setting up Insurance Cover https://www.norfinancial.com/industry-insights-1/2018/6/3/why-your-adviser-will-not-make-you-money monthly 0.5 2018-06-03 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1527985829627-Q03SV3MVHEM4R7B1XCFL/NOR+Financial+Stock+48.jpg Financial Industry Insights - Why your Adviser will not make you money. https://www.norfinancial.com/industry-insights-1/2017/7/21/cleanskins-a-dying-breed monthly 0.5 2017-08-04 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1501813612980-PNL9JBBTHBPPKHTF7E76/Investing+in+wine. Financial Industry Insights - CLEAN-SKIN today, vintage tomorrow https://www.norfinancial.com/industry-insights-1/2017/7/10/the-rise-of-the-machines-may-not-be-the-best-interest-of-the-general-public-after-all monthly 0.5 2017-08-01 https://www.norfinancial.com/industry-insights-1/2017/6/8/why-should-i-take-risks monthly 0.5 2021-01-10 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1496892984304-CM86OIQDAIBVSKYJEY2C/image-asset.png Financial Industry Insights - Why should I take risks? https://www.norfinancial.com/industry-insights-1/category/Premiums monthly 0.5 https://www.norfinancial.com/industry-insights-1/category/Claims monthly 0.5 https://www.norfinancial.com/industry-insights-1/category/Life+Insurance monthly 0.5 https://www.norfinancial.com/industry-insights-1/category/Superannuation monthly 0.5 https://www.norfinancial.com/industry-insights-1/category/Indexation monthly 0.5 https://www.norfinancial.com/industry-insights-1/category/Income+Protection monthly 0.5 https://www.norfinancial.com/industry-insights-1/tag/%23bfd18 monthly 0.5 https://www.norfinancial.com/home daily 1.0 2026-04-02 https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1654597454061-RZWDNNGSDP68WX9LY4LT/unsplash-image-7cdFZmLlWOM.jpg NOR Financial Home https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1539837873200-5BX4ER9ZU8650Y12SM8I/Financial+Planning+for+Medical+Doctors.jpg NOR Financial Home https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1489545417873-PSVUBCMLSQEZ2SZ06I36/Untitled-15+copy.jpg NOR Financial Home https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/1490676403104-7XIUN8DI9HQMOLV6MD3O/Network+-+board+of+advisors NOR Financial Home https://images.squarespace-cdn.com/content/v1/58c77bf66b8f5ba6ce6191f5/5111325e-7475-4311-93c0-c6ae29039345/FS_Power50_Badge_2020.png NOR Financial Home - 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