There are three types of cover that you can consider building into your Life Insurance policy when you buy direct: Accident Cover, Illness Cover and Adventure Sports Cover. So, if for example you don’t participate in adventure sports, you don’t need to include that in your cover.

Your Financial Planner is available over the phone to provide information that will help you make an informed decision.

If you’d like to draw on an adviser’s expertise to purchase your cover, we can help you find an adviser.

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A medical test may be required which may mean you wait a couple of weeks for test results to come through. Buying Insurance through a financial adviser allows you to draw on the expertise of someone who handles insurance day-in and day-out, and gain advice on how to tailor your cover.

There are many factors that can make buying insurance direct a challenging prospect: complicated personal relationships or medical history, extensive financial obligations, or various forms of income and lifestyle goals.

Or, you may simply prefer the confidence that comes from having an adviser there to support you.

An adviser can provide recommendations on the right amount of cover for your lifestyle, the best way to structure your policy, whether to have insurance cover inside or outside of super, and how to navigate the underwriting and claims process.

A financial adviser is experienced at handling complexity and can design your insurance to not only suit your life now, but help you achieve – and protect – the life you’re planning for.

To that end, they may recommend other insurance products which can be bundled with your Life Insurance, such as Critical Illness, Income Protection Insurance, Total Permanent Disability or Business Expense Insurance.

Your financial adviser will also help ensure you have just the right level or cover at all times. They will conduct an annual review of your insurance and, if necessary, help adjust your cover if your circumstances have changed.

If you’d like to draw on an adviser’s expertise to purchase your cover, we can help you find an adviser here.

ADVICE THAT GOES WITH THE FLOW OF YOUR LIFE

If you’d like to draw on an adviser’s expertise to purchase your cover, we can help you find an adviser.

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