Life insurance isn’t one-size-fits-all — we’ll help you find the right cover for your needs and peace of mind.
You might already have life insurance and be paying for it without even knowing. If anything were to happen to you, how would your loved ones find out?
Life insurance is all about managing risk—for both you and the insurance company.
You might already have life insurance and be paying for it without realising it.
If something were to happen to you, would your loved ones even know that cover exists?
Understanding what you’re paying for — and what you’re covered for — is essential.
The main purpose of life insurance is to provide your loved ones with a lump sum payment if something happens to you.
It’s designed to protect your family’s financial future when they need it most.
Some life insurance policies are easy to get — requiring little more than a few questions. While this may seem convenient, it also means the insurer knows very little about your health or lifestyle, which can lead to:
Higher premiums
More exclusions
Limited cover
These policies often include conditions such as exclusions for:
Pre-existing medical conditions unless you’ve been free of the condition for five years
Suicide or intentional self-injury within the first five years of the policy
Dangerous occupations or pastimes at any time
Participation in criminal activity
Known genetic conditions
In other words, you might be paying for life insurance that doesn’t provide the protection you expect.
Terminal Illness: What happens to your life insurance policy if you are diagnosed with a terminal illness?
Suicide: Can your policy still pay out in the event of suicide?
These are important questions that should be discussed with a qualified adviser before you commit to a policy.
By working with a professional financial adviser, you can ensure:
Your current cover is assessed properly
You have the right level of protection
Your premiums are as low as possible (especially if you’re in good health)
We can help you:
Check if you already have life insurance
Assess your current cover and find the best protection at the right price
Paul Woodward
1300 876 132