The importance of life insurance
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Life insurance gives your family a lump sum when they need it most. It can help clear the mortgage, cover everyday costs and keep life steady while they find their feet.
Expert in life insurance. The real Insurance Guru.
Protect what matters most.
20+ years in life insurance, claims and policy management. One expert on your side.
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The Power of Life Insurance
Your covers should be built for the day it's needed.
Expert insurance adviser. Over the years, I've worked with so many families, in so many different situations, with one aim: getting the most from life insurance. Every policy is built to protect what matters most to each family. Health assessed upfront. Strong benefits. Sustainable premiums. No nasty surprises.
Why me
Expert in life insurance
| Former claims assessor | |
| Former medical specialist within a claims team | |
| Optimal policies for people with pre-existing medical conditions | |
| PDS expertise: the definitions and exclusions that decide a claim | |
| Comprehensive protection strategies, driven by a passion for your family's financial security |
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Default cover in Super
Default life insurance in Super isn't Super.
Default life insurance in Super actually has its limitations. Life insurance held outside Super can be more flexible and, depending on your age, health and cover, may cost less.
Here are 8 of the 20 reasons why:
1 / 9
Insurance is only as good as its claim conditions. Super cover helps many people as a starting point. These are the gaps to check before you rely on it.
Myth busting
Myths about life insurance
Myth
"Life insurance is too expensive."
FactPremiums depend on your age, health and cover. A well-structured policy can stay affordable for the long term.
Myth
"My Super cover is enough."
FactDefault Super cover is basic. The amount and the conditions are worth checking.
Myth
"A health condition means no cover."
FactMany people with pre-existing conditions can still get cover, sometimes on adjusted terms. It pays to ask.
Myth
"All policies are the same."
FactDefinitions, exclusions and claim conditions vary widely between policies.
Learn
Learn about Life Insurance
Why default cover is rarely enough
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Default cover is automatic and easy to get, but it's designed to keep premiums low, not coverage strong. Amounts are often too small for a mortgage, definitions are tighter, and cover can stop at certain ages or when your balance runs low.
Variable (level) or variable age (stepped): which is the better structure?
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Variable age (stepped) premiums start lower and rise as you get older. Variable (level) premiums start higher and stay steadier as you age, though insurers can still review rates. The right choice depends on how long you plan to hold the cover and what you can sustain in retirement.
TPD: own occupation or any occupation?
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Own occupation TPD can pay if you cannot return to your own job. Any occupation TPD pays only if you cannot do any work you are suited to by education, training or experience. The definition can change the outcome of a claim.
What is income protection?
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Income protection replaces part of your income if illness or injury stops you working. It is paid regularly after a waiting period, for up to a set benefit period. Those definitions and periods all affect what you receive.
Can I get cover with a pre-existing condition?
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Many people with a pre-existing condition can still get cover. Insurers assess each case on its own, and terms can be adjusted, for example with a loading or an exclusion. Assessing health up front gives more certainty about what will be paid.
Life Insurance for a Secure Tomorrow
Start with a free, no-obligation health check. See where your cover really stands, in plain English.
