General Guides

Life Insurance Trends in Australia

Family is the most important thing in life. Making sure your family is protected in the event of your injury or death is paramount. If you haven’t already purchased life insurance, we suggest you do so. For many people, it’s the only way to protect people who depend on you. Ahead, we’ll take a look…

Stepped or Level Premiums: Which One Should I Choose?

Life insurance policies come in two forms or ‘structures’. They are: stepped premiums and level premiums. Both options have their benefits and disadvantages. It’s up to you to decide which one is best for your current life stage. To help you make your decision, we’ve compiled a comprehensive guide to stepped vs. level premiums. Key…

Why Life Insurance?

What life insurance can do for you Life insurance is no one’s favourite purchase. You may question the importance of purchasing life insurance – is it totally necessary? Why would you pay for something you, personally, will never even use? While you may initially think your hard-earned cash would be better spent elsewhere, this may…

Benefits of Having Life Insurance

Protect your family’s financial future It’s nice to have peace of mind your family will be covered for: Funeral costs Outstanding debts Income loss Education fees Ongoing daily expenses like groceries, transportation and medical costs Assistance that may be required Can be personalised to meet your needs Every policy has something different to offer. Once…

How Much Does Life Insurance Cost?

Life insurance is an important investment in protecting your financial security in the future. If you pass away, you do not want your family members to be left without the funds they need to pay housing costs, educational expenses, and other bills to maintain their quality of living. If you become unable to work or…

What Happens if I Don’t Have Life Insurance?

Life insurance doesn’t just provide for your dependants in the event of your death. It can protect your income if you are temporarily or permanently incapacitated due to illness or injury, and soften the blow of major traumas, providing a reliable income as well as funds for expenses such as specialist care or modifications to…

Life Insurance for Smokers

As a smoker, you may wonder if your life insurance premium will be more expensive than that of a non-smoker. You may also wonder whether there is any way around paying less for your premium, despite your smoking status. These are valid questions we can help you with. If you would like to compare life…

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