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Though most of us worry about insuring our homes, possessions and cars, insuring ourselves is usually the last thing on our mind. For many Australians, life insurance is part of a superannuation scheme, meaning that it will typically offer coverage that would not even pay the average mortgage. Also, most people remain uninsured against loss of income, trauma and disability.

Life insurance will give your family some financial support if you were unable to provide for them. They will receive a lump sum payment to help them cover costs like the mortgage, car repayments and everyday living expenses.