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Ensuring increased security and decreased liability for your family with a life cover

Life can be unpredictable, but protecting your family’s future doesn’t have to be.

We offer a variety of competitively priced life insurance plans designed to fit your unique needs and budget.

We can tailor the coverage amount and features to ensure your loved ones are financially secure if you’re gone, giving you peace of mind today and every day.

Benefits of Life Insurance

Securing life insurance is one of the most significant steps you can take to safeguard your loved ones’ financial future. By having a policy in place, you’re ensuring…

Financing of your children’s future

Security of your mortgage payments

Increased financial security of your family

What’s included in Life Cover

What’s covered

  • A lump sum or regular payments for your dependants in the event of your death (dependant on the level of cover you purchase).
  • The amount of cover paid will be the amount you choose at commencement of the policy.
  • Payment in the form you choose, and the option to have it used to cover specific payments such as rent or mortgage.

What’s not covered

  • Illness or disability, however some policies will offer a discretionary terminal illness benefit (but this is not automatic).
  • Exclusions, dependant on the policy you choose, but you may be able to cover these at additional cost.
  • Individual exclusions – for example, if you have a serious pre-existing health issue your insurer may elect to exclude this from your cover.

Life Insurance FAQs

What’s the difference between term life and whole life insurance?

Term life insurance policies run for a fixed period, for example 10 or 25 years, and only pay out during the policy. There is no lump sum payable at the end of the term.

Whole-of-life policies will continue and pay out for as long you maintain paying the premium.

How does life insurance work?

Life insurance works like a safety net for your loved ones after you’re gone. You pay the insurance company a regular amount (called a premium) in exchange for a guaranteed payout (called a death benefit) to your beneficiaries when you pass away.

This money can help them cover things like everyday expenses, mortgage payments, and even their children’s education, giving them time to grieve and adjust to their new life without the added stress of financial burdens.

You can customize the amount of coverage and the length of the policy to fit your family’s specific needs. Basically, it’s a way to plan ahead and ensure your loved ones are financially secure even when you’re no longer there.

Is it good to get life insurance?

Life insurance isn’t just about safety, it’s a smart financial move. It helps your family in two big ways: First, it can replace your income, so they don’t have a financial gap after you’re gone. Second, it can pay off any debts you leave behind, giving them a fresh financial start.

For an accurate estimate, please contact our team of expert advisors who are ready to help.

How long do I need life cover for?

Considering how long your family will depend on you financially is key. This could be until your children are grown or your spouse retires.

When should I get life cover?

While there’s no perfect time to get life insurance, keep in mind it generally gets more expensive as you age. Life events like buying a house, getting married, or having kids are all good times to consider it, as they often mean you have loved ones depending on you financially.

Safeguard your loved ones’ future with Life Insurance

No matter your life stage, from newly-weds to empty nesters, our expert advisors will walk you through your options and help you find the perfect policy.

Call for free advice208 903 9955
You can alsoRequest a Quote