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Life Cover

Do you need life insurance?

Not everyone needs life insurance (also known as life cover or life assurance). But if your children, partner or other relatives depend on your income to cover the mortgage or other living expenses, then the answer is yes – you probably do want life insurance, since it will help provide for your family in the event of your death.

What is life insurance?

Life insurance can pay your dependants a lump sum or regular payments if you die.

Term life insurance policies run for a fixed period of time – such as 5, 10 or 25 years. These kinds of policies only pay out if you die during the term of the policy.

A whole-of-life policy will pay out no matter when you die, as long as you keep up with your premium payments.