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Life Insurance for Individuals

Many different products and types of cover fall in to the personal insurance category and are often grouped together as individual life insurance. In practical terms this type of cover is designed to pay a benefit to you in the event of a defined personal life event such death or injury. Here is a list of broad categories that capture most personal life insurances.

Term Life Cover

Sometime also called death benefit, Term Life Insurance is an insurance which takes care of your dependents if you die. It is there to make sure that your family has financial security even if they lose you.

Income Protection Insurance

This type of insurance provides regular payments to replace some of your income should you be unable to work for a short period after an accident or illness.

Trauma Insurance

This cover pays a lump sum if you suffer from one of a defined list of serious conditions, even if you can still work.

Total & Permanent Disability (TPD)

TPD Insurance pays a lump sum if you become permanently unable to work. The payment is linked to whether or not you are still able to earn money, rather than the type of illness.

Funeral Insurance

This is a low-cost alternative to term life insurance, sometimes purchased as an add-on to other types of insurance, to pay for the costs of your funeral.

SMSF Life Insurance

If you run your own self-managed own superannuation fund (SMSF), purchasing through this fund can be a very cost-effective way to purchase life cover as you can benefit from substantial tax savings.

How to buy Life Insurance

The best way to get life insurance is always via a specialist advisor. Not only can they find you the cheapest policies, but more importantly they're able to identify the insurance cover which best meets your needs.

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