Life insurance

Life insurance

Life insurance is designed to minimise the financial impact of your death upon surviving family members or other dependents. Proceeds from a life insurance payment can be used to reduce or eliminate debt, replace lost income, and provide for dependents.

Your need for life insurance will fluctuate over your lifetime, in response to events such as buying a house or starting a family. You want to make sure that your life insurance cover tracks these changes, so you have the right cover in place at the right time. We are experts in identifying and quantifying the evolving risks you face over time, and then sourcing the right mix of cover so that you don't pay more than you need to over the life of your policy.

You can find out more about the various life insurance products we can source from our preferred suppliers below. We have also included two videos. The first shows how one family benefited from having the right cover in place at the right time. In the second, Natalie and Greg Murphy share their powerful story, which shows the effect of not having the right cover in place when it is needed.




Frequently Asked Questions

  • How much cover do I need?
    There is no "one size fits all" answer to this question. Think of life insurance as an answer to the question "What would be the financial impact of my death?" We can help you identify and quantify this impact, and then source a solution that reduces that impact on your survivors.
  • I originally took out life insurance to cover my mortgage, but now I have paid it off. Do I still need my cover?
    Your need for life insurance will change over time, as your circumstances change. Often people are paying for too much life insurance because they have not reviewed their cover to see whether it is still fit for purpose. We can help you by reviewing your existing cover, and making adjustments where necessary.
  • I can find cheap cover online - why should I use your services?
    As with most things in life, the cheapest option is seldom the best. Finding the lowest upfront cost for a given sum of cover is only a small part of what it takes to construct a portfolio of insurance covers that protect you against the risks you face. In addition to risks such as death and loss of income through accident or illness, the twin risks of underinsurance and excessive long-term cost need to be managed. And that's where we excel.