---
title: "Search Blog by Month - Sapience Financial"
description: "search our Sapience Financial archive of Blog Articles by month written"
url: "https://sapience.com.au/resources/search-blog-articles-by-month?layout=blog&start=224"
date: "2026-06-24T11:49:33+00:00"
language: "en-GB"
---

[ ![gambler peaking at the card they were dealt](https://sapience.com.au/images/blog/intro-what-is-the-chance-of-needing-to-claim-on-your-personal-insurance-policy-sapience-financial.jpg) ](https://sapience.com.au/blog/what-is-the-chance-of-needing-to-claim-on-your-personal-insurance-policy "What are the chances of needing to claim on your personal insurance policy?") ##  [ What are the chances of needing to claim on your personal insurance policy? ](https://sapience.com.au/blog/what-is-the-chance-of-needing-to-claim-on-your-personal-insurance-policy)

---

### We all have to learn how to prioritise big decisions

There are some statistics in life that you simply need to know so you can make better choices.

Most people wouldn't dream of traveling overseas without Travel Insurance to protect their luggage and their health. Nobody wants to be stranded overseas with no luggage or worse, in a foreign hospital hoping the local doctors have the right skills, medication and sanitation standards that's not going to put you at greater risk.

- [ life insurance ](https://sapience.com.au/life-insurance/life-terminal-illness-insurance)
- [ income protection ](https://sapience.com.au/all-tags/income-protection)
- [ total & permanent disability (TPD) ](https://sapience.com.au/all-tags/total-permanent-disability-tpd)
- [ business debt protection ](https://sapience.com.au/all-tags/business-debt-protection)
- [ insurance claims ](https://sapience.com.au/insurance-claims)
- [ chart ](https://sapience.com.au/all-tags/chart)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)

 [ Read more … ](https://sapience.com.au/blog/what-is-the-chance-of-needing-to-claim-on-your-personal-insurance-policy)

  [ ![homeless person with cardboard sign](https://sapience.com.au/images/blog/intro-Six-key-insights-to-greater-success-with-money-sapience-financial.jpg) ](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money "Six key insights to greater success with money") ##  [ Six key insights to greater success with money ](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money)

---

### Many people ask us what can they do to accelerate their personal wealth and how to get better at life faster.

This leads to the same conversation about concerns for their kids and how they will need to face more complex issues than the generation before them.

- [ money habits ](https://sapience.com.au/all-tags/money-habits)
- [ money talk ](https://sapience.com.au/all-tags/money-talk)
- [ mindset ](https://sapience.com.au/all-tags/mindset)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money)

  [ ![father hugging young child](https://sapience.com.au/images/blog/intro-who-inherits-your-business-debt-if-something-happens-to-you-sapience-financial.jpg) ](https://sapience.com.au/blog/who-inherits-your-business-debt-if-something-happens-to-you "Who inherits your business debt if something happens to you?") ##  [ Who inherits your business debt if something happens to you? ](https://sapience.com.au/blog/who-inherits-your-business-debt-if-something-happens-to-you)

---

### For the majority of small business owners, the bulk of their wealth is often locked up in their business.

### The business generates their income to pay the rent, pay the mortgage or even the wealth to build the investment portfolio for retirement.

A business owner's ability to actually retire is usually directly linked to the success and stability of their business and their own ability to continue to earn an income.

> But what happens to your business debts (and even family debts) when a person unexpectedly passes away?

- [ inheritance ](https://sapience.com.au/all-tags/inheritance)
- [ directors loan account ](https://sapience.com.au/all-tags/directors-loan-account)
- [ directors guarantee ](https://sapience.com.au/all-tags/directors-guarantee)
- [ managing small business risks ](https://sapience.com.au/all-tags/managing-small-business-risks)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)
- [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership)

 [ Read more … ](https://sapience.com.au/blog/who-inherits-your-business-debt-if-something-happens-to-you)

  [ ![young creative man looking at computer monitor](https://sapience.com.au/images/blog/intro-professional-people-need-their-own-life-insurance-adviser-and-this-is-why-sapience-financial.jpg) ](https://sapience.com.au/blog/professional-people-need-their-own-life-insurance-adviser-and-this-is-why "Professional people need their own life insurance adviser and this is why") ##  [ Professional people need their own life insurance adviser and this is why ](https://sapience.com.au/blog/professional-people-need-their-own-life-insurance-adviser-and-this-is-why)

---

### Professional people managing their own chronic health conditions need their own life insurance adviser

Many people in professional business use life insurance products but ... what do you do when your business partner tells you 'the business needs to get life insurance in place to cover the business debts', but doesn't know you've been diagnosed with diabetes?

- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)
- [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/professional-people-need-their-own-life-insurance-adviser-and-this-is-why)

1. [ What are the key documents in an estate plan?](https://sapience.com.au/blog/what-are-the-key-documents-in-an-estate-plan)
2. [ LEGO time-lapse](https://sapience.com.au/blog/lego-time-lapse)
3. [ Australia’s Coolest Business Cards](https://sapience.com.au/blog/australias-coolest-business-cards)
4. [ Why every parent needs a Plan B for the future](https://sapience.com.au/blog/why-every-parent-needs-a-plan-for-the-future)
5. [ Co-Owners and the new way to buy property and help your kids](https://sapience.com.au/blog/co-owners-and-the-new-way-to-buy-property)
6. [ Common mistakes with Employer Super Obligations](https://sapience.com.au/blog/common-mistakes-with-employer-super-obligations)
7. [ SMSF and Liquidity Risks](https://sapience.com.au/blog/smsf-and-liquidity-risks)

### [ Modern Small Business Leadership](https://sapience.com.au/blog/modern-small-business)

 Page 57 of 73

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