This cover is where a parent can attach protection over their child to their personal trauma policy. It is available to children between the ages of 3-15.
If you would like a quote on this, please submit your details on the form below. Note that the parent must take out some trauma cover under this policy, and you can have whatever level of death and TPD you wish. The cover amount over your child must be either $50,000 or $100,000 and the child's cover cannot exceed the parents cover.
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Personal Details
Note:Insurance can only be provided to permanent residents of Australia, or those people in the application process for permanent residency.
Privacy: Please note you are required to submit personal details in order to obtain a quote. We operate under the National Privacy Principles; your information is used only for the purpose of generating quotes. We never pass your details onto third parties; our full privacy policy is here.
Children's trauma/life policies are not designed for you to profit from your child. They are designed to give you a lump sum payment to give financial freedom to spend time with an ill child. Or time to grieve.
Term Life Cover
Term life insurance provides a lump sum payment on the death of the life insured. Approximate premiums are detailed below for non-smokers.
| Age | Cover Amount | Male | Female |
| per month | per month | ||
| 30 | $250,000 | $25 | $20 |
| 30 | $500,000 | $30 | $25 |
| 40 | $250,000 | $27 | $22 |
| 40 | $500,000 | $42 | $33 |
| 50 | $250,000 | $60 | $45 |
| 50 | $500,000 | $105 | $80 |
People take term life cover to pay out their debts and leave a lump sum to provide financial security for their partner and/or children.
TPD
Total and Permanent Disability (TPD) is usually taken as an extension to life cover. It provides a lump sum payment in the event that the life insured is totally and permanently disabled.
Where people take income protection the amount of TPD cover can be reduced. As if you have correct income protection, in the event of total disablement the income protection policy will replace lost income.
The costs below are for life and TPD cover combined.
| Age | Cover Amount | Male | Female |
| per month | per month | ||
| 30 | $250,000 | $30 | $27 |
| 30 | $500,000 | $50 | $40 |
| 40 | $250,000 | $45 | $35 |
| 40 | $500,000 | $70 | $60 |
| 50 | $250,000 | $110 | $95 |
| 50 | $500,000 | $195 | $165 |
Trauma Insurance
Trauma policies pay a lump sum in the event of an injury or sickness as defined in the policy document, (for example cancer, heart attack, stroke). This can be taken as a stand alone policy (on its' own), or attached to a life insurance policy.
There are basic trauma policies and there are extended trauma policies that cover a greater level of events (we only quote on the extended cover). Some policies offer TPD as a definition of trauma, therefore this can provide cost savings.
The costs below are for stand alone trauma policies.
| Age | Cover Amount | Male | Female |
| per month | per month | ||
| 30 | $100,000 | $25 | $25 |
| 30 | $200,000 | $35 | $35 |
| 40 | $100,000 | $35 | $38 |
| 40 | $200,000 | $65 | $65 |
| 50 | $50,000 | $50 | $45 |
| 50 | $100,000 | $100 | $80 |
Lifebroker is an Authorised Representative of National Financial Solutions Pty Ltd, holder of AFSL 284182
National Financial Solutions Pty Ltd (the authorising licensee) or any related companies will not be held responsible for the merits of this advice to your circumstances.