Life Insurance and Risk Insurance  
   
 

Life Insurance

Life Insurance provides your estate with a lump sum in the event of death or terminal illness.

The lump sum benefit can be used by your family to pay off your mortgage and other debts and assist your family's long-term financial security.

Inexpensive term life insurance to cover your income producing ability is a product that is really needed today to give peace of mind. Life insurance in Australia was originally conceived to protect a man's family when his death left them without income.

Over a period of time this has developed into many different policy plans. In a "whole life" policy, fixed premiums are paid throughout the insured's lifetime, usually with an investment component; this accumulated amount, augmented by compound interest, is paid to a beneficiary in a lump sum upon the insured’s death. Whole of Life plans aren’t generally sold today as Term Life insurance is a much more attractive option, especially early on in the client’s life when the premiums are lower.

For further information on Life, please submit an enquiry here.