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Types of
Life Insurance?

Term Life Insurance Policies

Run for a fixed period of time (known as the ‘term’ of your policy) – such as 5, 10 or 25 years (to cover a mortgage term for example). These kinds of policies only pay out if you die during the policy. There’s no lump sum payable at the end of the policy term.

 

Whole-of-Life Policy

Run for a fixed period of time (known as the ‘term’ of your policy) – such as 5, 10 or 25 years (to cover a mortgage term for example). These kinds of policies only pay out if you die during the policy. There’s no lump sum payable at the end of the policy term.

 

Covered Life Insurance

Run for a fixed period of time (known as the ‘term’ of your policy) – such as 5, 10 or 25 years (to cover a mortgage term for example). These kinds of policies only pay out if you die during the policy. There’s no lump sum payable at the end of the policy term.

We’ve got your back.

Leave something behind for those you love the most. Putting in place a policy that pays out when you pass away, ensures that your family will be comfortable, financially. Before we discuss this further, think about the amount of cover you want to put in place. Y

Think about the amount you have left on your mortgage, and maybe any funeral costs that might need to be covered. Not the nicest of conversations, but a very important one.

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Frequently Asked Questions

You may want to consider life insurance if you have the following:

  • Dependants, e.g. school-age children
  • A partner who relies on your income, or
  • A family living in a house with a mortgage that you pay – a life insurance policy can provide for them if you die.
  • You might also want a policy that covers your funeral expenses.
  • You can’t rely on the government to take care of your family – the money they would get from the state is much lower than you’d probably expect.

The price you pay for a Life Insurance policy depends on a number of things.

These include; your age, your health, your lifestyle, whether you smoke, the length of the policy and the amount of money you want to cover, the length of the policy. For example, the younger you are and the less likely you’re to die from a medical condition, the cheaper your policy is likely to be.

If you have an employee package that includes ‘death in service’ benefits, this will cover you for a multiple of your salary and you might not need additional life insurance. It’s up to you to work out if this policy is enough to cover your needs and whether or not you need an additional life insurance policy. Bear in mind if you stop working for that employer, you won’t be covered under their policy anymore.

It’ll all depend. So let’s talk it through.

You might not even need/want any.

However, if your children, partner, or other relatives depend on your income to cover the mortgage or other living expenses, then you probably do want life insurance, since it will help provide for your family in the event of your death.

After all, it’s designed to provide you with the reassurance that your dependents will be looked after if you’re no longer there to provide. The amount of money paid out depends on the level of cover you buy. You decide how it is paid out and whether it will cover specific payments, such as mortgage or rent.

When it comes to insurance services, our advice is completely free.

We will be paid a fee from the provider you are placed with.

We will also still be here to help you after your policy has gone live, unlike if you were to sort this out online.

Already Got
Life Insurance?

If you already have life insurance we may be able to improve your cover or save you money. Contact us today to find out more.

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