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Life insurance can help pay for things like:
Do I need life insurance?
We understand that life insurance is not what people want to think about, because it’s not a comfortable subject to dwell on. It’s hard to focus on paying for a product that you won’t see the benefit of… but your loved ones will. Sometimes, we have to take a look at the hard questions to understand why life insurance is so important and why everyone should consider a life insurance policy.
What would happen if you died tomorrow? Are your loved ones financially ready should that happen? Are there any arrangements in place to cover outstanding debts like mortgages? Who will pay for the funeral and associated costs? Whilst these questions can be tough to think about, life insurance exists to answer these questions and provide you with peace of mind so you can focus on the things that matter – spending time with your family today, without having to worry about tomorrow.
How does life insurance work?
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Protect your family and home
Mortgage and rent payments
Life insurance can come in many different shapes and sizes, depending on your personal circumstances and what works best for you. As an example, a product you could consider is ‘Level Term’ life insurance. This type of life insurance gives an assured fixed sum – the money you’ve decided should be available when you die – to go to your loved ones or nominated beneficiaries. You'll choose how much this could be and how long the policy lasts for. All you do is keep making your monthly payments and the cover is in place.
It's not always easy figuring out how much cover you need and how long you'll need it for – that's why our team of dedicated brokers get to know you and your personal circumstances before presenting you with the facts. We're a non-advisory service so we only provide you with the facts, not our opinions.