Life Insurance

Financial protection for your loved ones after you pass away.

Life insurance pays a lump sum to your beneficiaries if you pass away or are diagnosed with a terminal illness. This cover helps provide financial security for your family—paying off debts like a mortgage, covering living expenses, or funding future needs like education. In Australia, many people hold life insurance through their superannuation or as a separate policy. It offers peace of mind that your loved ones will be taken care of financially should the unexpected happen.

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Key Benefits

Family Financial Security

Provides a lump-sum payout to support your family's financial needs, helping them maintain their lifestyle if you're no longer around.

Debt & Mortgage Protection

Helps pay off outstanding debts like your home loan, so your loved ones aren't left with financial burdens during a difficult time.

Peace of Mind

Offers peace of mind knowing that you have a plan in place to protect your loved ones' future, reducing stress about what might happen if the worst occurs.

Recommended Insurance Coverage

Health Insurance

Covering medical costs and treatments for you and your family.

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Disability Insurance

Income protection if you're unable to work due to disability.

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Funeral Insurance

Covers funeral expenses to ease the financial burden on family.

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Frequently Asked Questions

Life insurance generally covers death and terminal illness. If you pass away (or are diagnosed with a terminal illness under some policies), it pays a lump sum benefit to your nominated beneficiaries.

The amount depends on your personal circumstances – consider your debts (like mortgage), future family living costs, children's education, and any other financial obligations. Many Australians use a multiple of their annual income or seek financial advice to determine the appropriate cover.

Yes, a lot of Australians have a default level of life insurance (and often total permanent disability cover) through their super funds. You can usually adjust the cover amount or opt out. However, standalone policies outside super can offer more flexibility or higher cover, but you pay premiums directly.

If you stop paying your life insurance premiums, the policy will eventually lapse (after any grace period). This means you would no longer be covered, and no benefit would be paid if something happened after the policy lapsed.

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