You are probably aged between 25 – 35, you are recently married or in a long term relationship. You rely on income to give you control and security, and you value your independence.

Children on the horizon, in first home with high mortgage repayments, little equity in property, possibly DIY renovations to do to the home.

What is at risk?

Your current lifestyle and that of your spouse could be effected. You need income to meet your ongoing mortgage repayments as well as other debts. Your future earning potential could also be reduced.

What might happen?

There are a lot of risks you have probably never considered such as: being diagnosed with cancer, car accident, injury while doing home renovations.

What are the consequences?

If something happens, the plans you and your spouse have made could be in ruin. Unable to make the mortgage repayments you could be forced to sell and enter the rental market. Your spouse's income may not be able to support all family needs. You maybe unable to earn any income for the rest of your life.

Insurance typePriority
Life Cover★ ★ ★ ★ ☆
Income Protection★ ★ ★ ★ ★
Trauma/TPD★ ★ ★ ★ ★

Insurers we work with:

  • AIA
  • AMP
  • Asteron
  • CommInsure
  • Macquarie
  • MLC
  • OnePath
  • TAL
  • Zurich

How much life insurance do you need? ?

Debt + (Income x 66% x years to 65) + $10,000 for funeral
How much debt do you have?
What is your income?
What is your age?
Life Insurance Requirements:

How much income protection do you need? ?

75% of income in monthly benefit (i.e. divided by 12)
Monthly Income Protection Eligibility:
* 25% cash back payable for the first year only, once policy has been inforce for 13 months