You hear about life insurance all the time, but is it something I really need?

To decide whether you need life insurance, you simply need to ask yourself how you and people dependent on you would survive if you were to pass away or become seriously ill or injured.  It shouldn’t just be a matter of simply surviving if the unfortunate were to happen.

Life insurance can help people of all ages, and from all walks of life – it’s not just for parents with kids and a mortgage. Even if you’re young, single and healthy today, insurance is important to help you protect your lifestyle, your independence and cover your debts – in the event of an accident, illness or death.

Insurance policies like Income Protection or Critical Illness can help you cover the bills, pay your rent or mortgage, cover medical expenses and continue to fund your lifestyle if you can’t work because you get sick or injured.

I have decided to insure myself, but for how much?

When considering how much insurance you need, think about your financial commitments.  It is important to have the right level of cover for you and your family’s needs.  One of our qualified Insurance Advisors can recommend different types of insurance and sum insured that will suit you and your family. A number of factors will be taken into consideration when exploring Life Insurance or Income Protection including;

  • Debt – mortgage, car loans, HECS, credit cards
  • Ongoing Income – calculation for an ongoing income for your dependents
  • Medical – treatment, accommodation, travel
  • Education – your children’s future school and tertiary costs
  • Major Purchases – weddings, a car for your child, travel

To have one of our qualified Insurance Advisors prepare a quote and recommendations for you, please call us on 1300 983 942.

Isn’t about time you protect your financial future? Preparation, Protection, Peace of Mind

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