352 Companies Offering Life Insurance Services

Life Insurance

We all think we’re invincible but without a crystal ball it is impossible to know what is around the corner. Everyone wishes for a long and healthy life, and for the majority this dream becomes reality.

However, creating a back-up plan is the best security you can give your family. After all, you insure your home and your car against unforeseen challenges; why not give yourself that same courtesy?

In life, you are your most valuable asset. You go to work to earn money to pay the bills – what happens if that income suddenly stopped? If you take out a life insurance policy, you protect yourself in exactly the same way as your car or your home, should a problem arise. You pay monthly, and should the worst happen, the insurance company then pays out.

Types of Life Insurance

There are five main types of life insurance, including:

Life Insurance – should you be diagnosed with a terminal illness or die, your family will receive a lump sum. This will allow all debts, such as your mortgage, to be cleared, as well as providing for the immediate future. Your family can then concentrate on dealing with your death without having to worry about bills.

Total and Permanent Disability Insurance – if you become unable to ever work again due to a disability, this insurance provides you with a lump sum in order to pay off debts, medical expenses and invest in your future.

Income Protection Insurance – often called income replacement insurance, this will replace up to a certain amount of your income, should you become unable to work due to illness or injury. The amount can be as much as 75% of your current income, and payments could continue until you are 65, depending on your policy.

Trauma Insurance – sometimes known as critical illness insurance, this pays out on diagnosis of certain specific illnesses, usually heart attack, cancer or stroke. This allows you to take time off work without worrying about financial matters, so you can concentrate on your health and spending time with your family.

Business Expenses and Key Person Insurance – if you are self-employed and no longer able to work due to illness or injury, business expenses covers the ongoing costs of your business. If person key to the success of your business dies or can no longer work due to illness or injury, you are also covered for any losses to the business

If you pay insurances through your super fund (not including trauma or business expenses), the premiums are paid from pre-tax earnings. If paid outside of your super fund, only income protection insurance is tax deductible.

The amount of insurance you need is dependent on many different factors. If you are not sure what to do when it comes to life insurance, the best option is to speak to a financial advisor experienced in these matters. Then you can rest easy at night, knowing that you have done your best for the people who matter in your life.

Check out the lisintgs below to find a local company that can help you with life insurance.

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Level 5, 189 Kent St, Sydney, NSW

BFS stands for ‘Business & Financial Services’ and that is our specialty with outstanding service record and strong focus on regular taxation rule…


9,444.09 km away

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03 98663849

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U 2 1 Bourne St, PORT MACQUARIE, NSW Mid North Coast, NSW


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03 93222011

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08 92505262

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359 Wyndham Street, SHEPPARTON, VIC

03 58214711

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Level 5 20 Loftus Street, SYDNEY, NSW

02 92413843

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Level 12/ 20 Bond Street, SYDNEY, NSW

02 80951300

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PO Box 11, KENT TOWN DC, SA Adelaide Suburbs, SA


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Level 2 250 Victoria Parade East Melbourne, VIC

03 94114023