Tell us who depends on you and what you would want covered. A verified insurance professional who covers your postcode will get in touch to explain the types of life cover, what affects the price and what to compare, before you commit.
A verified professional will get in touch.
Not sure which fits? Describe what you want to protect, and a professional can help you narrow it down.
A lump sum if you die, and often if you are diagnosed with a terminal illness.
A lump sum if you can no longer work because of illness or injury.
A lump sum if you are diagnosed with a serious illness listed in the policy.
A monthly amount if you can't work through illness or injury, for a set period.
Cover your fund provides, paid for from your super balance.
Cover you buy yourself and pay for from your own money.
The older you are when you start, the more it usually costs.
Your medical history and any current conditions.
Smokers usually pay noticeably more than non-smokers.
Some occupations are riskier, which raises the price of disability cover.
How much the policy pays out and for how long.
A stepped premium rises with age. A level premium starts higher and changes less.
Ask for the adviser's details and check them on the ASIC Financial Advisers Register.
And what would I add, and why?
Own occupation or any occupation, inside and outside super.
And how much could it rise over the years?
And how is that set up for cover inside and outside super?
The 30-day cooling-off period, and any fees after it.
We connect you with one verified provider who understands what you need. No hard sell, and no obligation.
Life, disability and trauma cover protect against different things. You hear which fits what you want to protect.
Many people already have cover through their super. You hear how to check it, and what it does and doesn't include.
You get the options explained. Whether to buy, and from whom, is always your decision.
Life cover pays a lump sum if you die, and often if you are diagnosed with a terminal illness. Total and permanent disability, or TPD, cover pays if you can no longer work. Trauma cover pays on diagnosis of a listed serious illness. Income protection pays a monthly amount if you can't work. Each is separate and costs differently.
It depends on your debts, your family's living costs, how long they would need support and what you already have. A professional can help you work out a sensible figure for each type of cover.
Many super funds include default life and TPD cover, and some include income protection. Check your fund's cover, what it costs and what it excludes, before you buy more. Rules also mean cover inside super may only start if you opt in in some circumstances, such as for younger members or small balances.
Cover inside super is paid from your super balance, so it can be easier on cash flow but reduces your retirement savings. Cover outside super is paid from your own pocket and may be more flexible. Ask an adviser about the trade-offs for you.
This depends on the policy definition. 'Own occupation' means you can claim if you can't do your own job. 'Any occupation' is stricter, and can mean you can't claim if you could do another type of work. Check the definition carefully, and whether it differs inside and outside super.
Your age, health and medical history, whether you smoke, your occupation, the amount of cover and the type of premium. A stepped premium rises as you age, while a level premium starts higher and stays more stable.
You must take reasonable care to answer questions honestly and accurately. If you don't, a claim can be reduced or refused. If you aren't sure whether something matters, ask the adviser and tell the insurer.
With cover outside super, the policy owner or the beneficiaries you name. With cover inside super, the fund pays according to its rules and your nomination, which may need to be kept up to date. Ask the adviser how to set it up properly.
Life insurance policies come with a cooling-off period, usually 30 days. The terms differ, so check what applies and read your documents.
Complain to the insurer first. If you're not happy with the answer, you can take it to the Australian Financial Complaints Authority, which is free to use.
Your age, whether you smoke, roughly how much you'd like to cover and for how long, what cover you have through super, and your postcode. If you don't have everything, send the request anyway.
No. Namoye is a free matching service. It doesn't sell insurance or give advice. Any quote or advice comes from the firm that contacts you.
No to both. A verified professional contacts you, and Namoye is free for you.
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Namoye is a free matching service. It is not an insurer, broker or adviser, and it doesn't give insurance, tax or legal advice. Any quote or advice comes from the firm that contacts you. Check that a firm or adviser is licensed on the ASIC Professional Registers (asic.gov.au) before you share personal or payment details.
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