What we check
- How much cover you needEnough to settle debts, replace your income for a period and fund big future costs like education.
- Beneficiary nominationsOut-of-date beneficiaries are one of the most common problems at claim time.
- Premium patternLevel premiums cost more now and less later. Age-rated premiums start low and climb every year.
- Disclosure at applicationUndisclosed medical history is the main reason claims are declined.
- Cover through workGroup life cover usually ends when you leave the job.
- Your will and estateLife cover can provide cash for estate costs while the estate is wound up.
Common mistakes
- Picking a round numberCover should come from a needs analysis, not a guess.
- Relying only on employer coverChange jobs, and the cover may stop when you need it most.
- Never reviewing itA new baby, bond or business changes what you need.
- No valid willWithout one, the law decides who inherits and the process takes longer.
Is your current policy still right for you? Policies that were right a few years ago often aren't today. A review costs nothing.
Common questions
How much life cover do I need?
It depends on your debts, income, dependants and existing savings. The life cover calculator gives a rough starting point.
Should my estate be the beneficiary?
Usually it's better to nominate people directly so the payout doesn't wait for the estate to be wound up. There are exceptions, so ask.
Can I get cover with a medical condition?
Often yes, sometimes with an exclusion or loading. Full disclosure protects your claim.
How this applies to you
General information only goes so far. Your age, family, debts and existing cover all change the answer. A free 15-minute call is the quickest way to find out where you stand.