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Life Insurance cover is something that you put in place for your family so that they will be able to survive financially if you were to die.
You choose how much life insurance cover you need, put the cover in place, pay the premiums and then if you die, that money is available to your family.
Life insurance is used to repay debt (mortgage debt, credit card, hire purchase debt), to pay for funeral costs and to replace the income that you would have generated if you were still alive, so that your family has funds to live off.
There are a number of additional benefits other than the payment of the life insurance, that you can get as part of your life insurance policy:
It is important to make sure that you are getting the best value for your money, which is where our analysis and research will assist you. We will review the leading 8 insurers for you and provide you with a full price and quality analysis if you wish.
As a general guide, most people aim to have enough cover to pay off all their debts upon their death, as well as $10,000 to pay for a funeral. Most people also aim to have enough insurance to cover the income that would be lost to their loved ones on their death for a period of time.
Your life insurance policy will only pay out when you die if:
After talking with you, we research all the options available to you, to find the life insurance that is most suitable for you. This takes into account your criteria, whether that is best quality cover, or best cost cover for your needs.
We then assist you to get that insurance cover in place with the least possible hassle to you.
After the insurance is in place, we will keep in touch with you, to answer any queries that you have about your insurance cover. If you have a claim, we are here to assist you with that process, to reduce the stress on you. Payment of claims
Life insurance is the key benefit provided by insurance companies. They pay out on a large range of reasons for death. Here are some examples of claims paid by some of the insurers that we work with: