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As insurance advisors (also known as "brokers"), we know the market. We do the hard work for you, so you  save time when choosing the right insurance provider. We help you compare your options across multiple leading insurance providers, answer any questions you may have along the way and advocate for you and your family on your behalf, should you need to raise a claim.

A general rule of thumb is 10X your annual salary in life cover; however, your unique situation and needs may differ. You don't want to overpay for insurance that you don't need, and you certainly don't want to be underinsured. As licensed financial advisors, we can help you tell the difference.

Generally speaking, your age and health play a major factor in the cost of your life insurance policy. The life insurance providers that we work with use a variety of models to work out your risk, which  affects  your premiums (monthly payments). Basically, the healthier and younger you are, the cheaper your policy will be, so it pays to stay healthy and get insurance when you are young before you develop any ailments.

The best question to ask yourself here is 'Do I have dependents or anyone who relies on my income?' If you were to pass away, would loved ones be left with debt to pay back or any other financial burdens? Would your loved ones be able to sustain the lifestyle they currently have, or would you like to leave them a legacy gift to ensure their financial future? These are good questions to ask yourself, if your answer is 'yes' to either of these questions you might consider getting life insurance.