Life Insurance is a financial product, allowing you to leave behind money for your family in the event of your passing. Giving them the financial support they need during the tough time.
That money is there to replace loss of income, or for your next of kin to pay off a large debt like your mortgage.
Having some form of life insurance in place is essential if you have people who are financially dependent on you, Such as children or a partner.
Would your loved ones be able to meet the monthly mortgage/rent payments and other household bills without your income?
The death of a parent can also result in additional expenses, which can include a need for childcare (A Nanny).
This could all become overwhelming. However if you had life cover in place, your family would be financially protected for the years to come!
Life Insurance is a financial product, allowing you to leave behind money for your family in the event of your passing. Giving them the financial support they need during the tough time.
That money is there to replace loss of income, or for your next of kin to pay off a large debt like your mortgage.
Having some form of life insurance in place is essential if you have people who are financially dependent on you, Such as children or a partner.
Would your loved ones be able to meet the monthly mortgage/rent payments and other household bills without your income?
The death of a parent can also result in additional expenses, which can include a need for childcare (A Nanny).
This could all become overwhelming. However if you had life cover in place, your family would be financially protected for the years to come!
You will receive 10% of your annual premiums back for each policy anniversary. This will be in the form of a gift voucher of your choice.
All of the advice we give you is completley free of charge. Whether you want to ask some questions about life insurance, help claiming or unbiased advice from one of our licensed advisers. Our team is here to help!
We make sure that every policy that we set up is put into trust. This means it will skip the lengthy probate period and will not get taxed the 40% inheritance tax. Meaning your family will receive the full benefit amount without any waiting.
If you’re married, having a child or buying a new home. It is important you have something in place protecting you and your family.
However, keep in mind that the price of Life Insurance increases as you get older. So, as soon as any of these events take place you should get insured.
You may have some cover through your employer however that policy will only cover you for the fraction of the amount you actually need.
Many life insurance policies through work only cover 2-3 years worth of salary. Which would not be enough to help your family financially.
We make sure we work with the best providers. All the providers we work with are 5 star defaqto providers.
The amount of cover that is needed varies for individuals. Each policy is tailored specifically to the persons needs.
It is always calculated by us, so that the cover you have in place is the exact amount your family need, to live the same lifestyle they currently do if something happened to you.
It all depends on your situation. We will help to identify what type of policy is best for your circumstances once we figure out your needs.
No. You will not need any medical exams when applying. However on the rare occasion your application goes through to underwriters they may ask to see a GP report.