Life insurance - what do I need?

 

NO MORTGAGE, NO DEPENDANTS

 

You’re enjoying life to the full in a career that you love. You’ve worked hard to get where you are. You want to make sure that your lifestyle won’t be affected financially if you suffer from an illness.

 

WHAT MIGHT YOUR NEEDS BE?

You should protect yourself financially to help maintain your standard of living if something happens to you.

You can do this with:

• specified illness cover; and

• income insurance.

 

BUYING A HOUSE

You’re about to buy your first house and are over the moon.

 

WHAT MIGHT YOUR NEEDS BE?

You’ll need to protect your mortgage if you die or if you are diagnosed with a specified serious illness. You can do this with: • mortgage life insurance; and • specified illness cover.

 

HAVE A FAMILY

At this stage in your life you might need to think about protecting your family financially if you die, become seriously ill or have an injury or illness which prevents you from working.

WHAT MIGHT YOUR NEEDS BE?

You can protect your family with:

• life cover;

• specified illness cover; and

• income insurance

 

RETIREMENT

You want to protect your dependants from having to pay inheritance tax when you die and cover your funeral expenses.

 

WHAT MIGHT YOUR NEEDS BE?

• Whole-of-life insurance

• Over 50's life insurance