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There are many different types of insurance available, each of them covering different aspects of your life to ensure that you can live knowing your family are covered should the worst happen.

Life Insurance

Life insurance, also known as life cover, is a type of policy that is designed to give peace of mind when you die. It’s designed to pay out a cash sum to your family or loved ones when you pass on. This money can be used to pay off a mortgage or other debts or provide a valuable nest egg for your family. It minimises the financial impact that your death could cause and is one of the most essential forms of insurance that is recommended to everyone.

We recommend life insurance if you have someone in mind that would be impacted by your death. For instance, if you have a family or plan to start one, then having life insurance can give them the financial means to continue living despite the impact your death may have caused. We also suggest taking out life insurance if you’re still young as it can provide relatively low-cost cover for the payout.

If you’re employed with a company then you’ll likely have an employee package that includes life insurance benefits. However, you’ll want to check with your employer first to ensure that your family and loved ones will be paid something should you pass away. If it’s not enough for your needs or if the payment won’t be as good as a separate life insurance plan, then it’s best to take something out separately or in addition to your employee benefits.

Critical Illness Cover

Critical illness cover is a lump sum or income that is paid if you’re diagnosed with a specific serious illness such as a heart attack, stroke, certain types of cancer or conditions like multiple sclerosis. The exact conditions it covers will typically be outlined by the policy’s terms and conditions. Policies will also pay if you’re disabled after an injury or an illness.

Critical illness cover is ideal for anyone that would be in financial trouble if they were unable to work. For instance, if your family has no other source of income other than your job, then critical illness cover will ensure that you have some form of income or money to survive  should you end up being too ill to work. The payout can make a big difference in your life, such as being able to pay off your mortgage earlier or afford the services of a carer.

Income Protection

Income protection insurance is a policy that pays a percentage of your take-home pay if you’re unable to work due to being ill or disabled. It covers the majority of illnesses that would render you unable to work, but it can’t cover you for unemployment.

You should consider income protection insurance if you’re unable to rely on savings or employee benefits to get you through an illness. If your living expenses are too high and won’t be affordable should you be unable to work, then income protection insurance will guarantee that you can still stay afloat until you recover or secure an alternative form of income.

Payment Protection Insurance is optional.  There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income.