A Life Insurance policy is designed to give you and your family peace of mind should the worst happen. Your nominated beneficiaries would likely be eligible for a lump sum payout in the event of your death or diagnosis of a terminal illness.
The payout can be used for additional expenses such as home modifications due to a disability, significant medical expenses or even funeral arrangements, but more importantly financial support for your loved ones should they need it.
Life Insurance can include multiple types of cover, including Life Cover, Total and Permanent Disability and Trauma Insurance. Your nominated adviser will help you to better understand these items and recommend which are suitable for your situation, goals and budget.
Cost of cover can vary significantly depending on your age, lifestyle, and overall health. Taking cover out earlier in life can mean you have fewer/no exclusions in your policy or you may be able to opt for a level premium which stays the same for the duration of your cover.
How much does it really cost?
It’s Free to use our website to find life insurance – you’ll never be charged for quotes.
It’s also Free to have an adviser sitting in your corner, helping you navigate and choose what’s right for you.
Life insurance could cost the same each month as a few coffees or a couple of beers, your advisor will give you certainty about the exact costs right now as well as what will happen in the future. In many cases premiums don’t increase, unlike the prices at the pub.
Does life insurance really pay out?
Yes! However unlike the white-lie you told your mates, when it comes to life insurance you need to tell us the whole truth and nothing else.
Had a few health issues already or the occasional puff? Gotta let your advisor know! The only time life insurance doesn’t pay out is when you’re not 100% open and honest.
Can I trust your insurance partners?
Absolutely. All of our partners are Registered Financial Advisors (RFA’s) which means they have a duty of care to ensure you are provided with sound advice and are also regulated by the Financial Markets Authority (FMA).
Any person can complain to the FMA about the activities of an RFA and we can investigate that complaint and take appropriate action.
Why Get Life Insurance?
Losing a Parent sucks. But losing a Parent, the family home and the things they used to pay for all at the same time sucks on an entirely new level.
Life insurance is a safety net for your family. If anything happened to you before your cover ends, your life insurance would pay a lump sum to your family to help cover the financial loss of losing you.
Why Do You Need to Know if I Smoke?
We all know that smoking is bad for our health, and sadly it’s a contributor to disease and death in many people.
We need to know if you smoke because it increases your risk of death. But be honest – your insurance may be invalid and not pay out if you try and fib your way around this one.
Why do I need to speak to someone, can't I do this all online?
There are a couple of reasons you need to speak to someone in person
First – unlike car insurance where there could be a few thousand dollars a stake – with life insurance we’re regularly talking about hundreds of thousands or more. For that reason, life insurance companies like to have recorded details to make sure you are who you say you are should there be any disputes if a claim arises.
And second, we firmly believe that speaking to real human beings ensures that your requirements are fully understood and you get the right cover for you and your family.