Life Insurance

As insurance advisors (also known as "brokers"), we do the hard work for you so you can save time when choosing the right insurance provider. We help you compare your options across multiple leading insurance providers, help you with any questions you may have along the way and are there for you 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. We recommend talking to an insurance advisor to help you decide on the amount.

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.

Term life is insurance valid for a certain time period only, for example 20 or 30 years. Permanent or Whole Life is a policy that is valid for your whole life, meaning that no matter what age you pass away at your policy claim will be paid out according to the terms and conditions of your policy. While term life insurance is usually cheaper, it doesn't always pay off in the end. This is why we advise working with a licensed financial advisor (like us!) to make sure you understand the true costs and benefits of your policy.