Life insurance means peace of mind

Life insurance cover gives you and your family financial security should you die or become terminally ill.

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Benefits of Life Insurance

  • Life insurance is often a tax-free payout
  • Claim in the event of death, trauma and disability
  • Minimise your household's debt
  • Peace of mind in times of grief

Do I need Life Insurance?

1. Your savings

Do your loved ones have savings to cover everyday living expenses if you were to pass away?

2. Your income

Could your partner or loved ones survive without your income if you passed away?

3. Your family

Would your partner or family be able to pay off your household debt if you passed away?

4. Your lifestyle

Would your loved ones be able to continue the same lifestyle (school fees, holidays and other living expenses) if you passed away?

It looks like your household could be financially secure if you passed away. Do you have income protection?

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You may want to consider life insurance for financial peace of mind.

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Learn more about Life Insurance

What is life insurance?

When you take out a life insurance policy you are providing your family with the peace of mind that if you pass away or become terminally ill, they will have help to cope financially. 

The life insurance payout can help your family with any outstanding debts, general expenses and managing their finances at a difficult time. 


Why do I need life insurance?

When it comes to deciding if you need life insurance it’s good to think about all the things you currently pay for and who you support. If something were to happen to you how would your family cope with expenses such as mortgage repayments or bills? At a difficult time life insurance can help your family cope financially, so they can focus on what really matters.


How much cover do I need?

Getting the right amount of cover is important when it comes to choosing your life insurance. Too little cover can result in nasty surprises at claim time, while too much cover can mean you’re paying more than you have to. Our life insurance calculator helps you determine how much cover you may need.


How will my health affect my application?

All life insurance policies compared by Lifebroker are underwritten which means an insurer will generally take into account different personal and lifestyle attributes when considering your application, including your age, height, weight, medical history, occupation, family health history and smoking status.

If you have pre-existing health issues when you apply for cover, you may need to pay a higher premium rate than normal (known as a ‘premium loading’) to cover the additional risk or the insurer may apply an exclusion to that condition or in some cases an insurer could potentially decline the application.

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