Young Families with Insurance

How do you know if this page is for you?

Do you have children that are still in primary school? This is a time when your children are solely dependent on you for emotional and financial support.

You currently don’t have insurance or have some only in your employer’s superannuation plan.

Which policies should I be looking at?

Term Life Insurance

On death, your family maintains their standard of living with an benefit that pays off debts and education expenses, provides an income for a specified number of years and meets other necessary payments.

Trauma insurance

A critical illness is always hard to deal with, it is especially hard to plan ahead for. It can affect your whole family as a carer may be required as well as time off work for both parents.

Income protection

Losing an income in the family even for a short period of time can be devastating. Income Protection in most cases should be compulsory.

Total & Permanent Disablement

While income protection helps to maintain the majority of the family’s income, TPD can replace the remaining percentage and also assist with any debts that need to be paid or home modifications.

Child Cover

Most parents would admit that if their child was sick with a critical illness then it would affect their ability to earn an income. Child Cover assists by paying a lump sum benefit that will allow parents to take some time off or to be able to pay for the out of pocket medical care.

Policy Management

We will research and compare your current policy for you then come back to you with a recommendation. Our recommendation could be that you should keep your current policy and to not make any changes, if this is the case we can manage the policy for you. Managing your policy means that you can contact us at any time for any changes to your policy and we will handle any claims for you.

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