Life Insurance

Life insurance is a safety net that protects your family from financial hardship in the event of death or diagnosis of a terminal illness.

Having an appropriate life insurance policy in place means any debts can be cleared and your family and business obligations can be taken care of. These may include:

• Covering funeral costs - there is a built-in funeral benefit which pays out immediately
• Paying bills, credit cards and living expenses
• Paying off the mortgage
• Paying for your children’s education
• Ensuring your partner has sufficient resources for their ongoing living costs and retirement

Premiums can be fixed so they never go up. Your life insurance, or a portion of it, can be structured to provide the security of an ongoing monthly payment rather than a lump sum. In addition, there is a financial planning benefit that can be used to access professional advice at no cost.

Who needs life insurance?

Life insurance is not just for families. It’s also beneficial for young couples, anyone with a mortgage, anyone in business and those in a relationship with significant income disparity.

How much cover do I need?

Daniel will work closely with you to get to know your individual circumstances. He'll consider things such as your age, stage of life (single, married, kids, house, business), level of debt, income and health. He'll then be able to analyse your situation and offer tailored advice with recommendations to suit both your needs and budget.

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