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You might not need it

Find out for yourself if life insurance is the right thing for you – the answer may surprise you.

You might need it if...

If you’ve got a spouse/partner and children, you definitely need to ensure their financial needs are taken care of if you pass away – and adequate life insurance might be the right choice for you.

COVER RECOMMENDATIONS FOR SPOUSE/PARTNER WITH KIDS

  • Funeral

  • Debts

  • Living costs

  • Kids' future

Get a quote

It could be that they're not able to work and/or aren't eligible for national superannuation yet. Insuring your life would mean you don't need to worry about who will take care of your parents should they outlive you.

COVER RECOMMENDATIONS FOR PARENTS DEPENDENT ON YOU

  • Funeral

  • Debts

  • Living costs

A mortgage is a large responsibility that doesn’t simply go away when you die. Could your spouse/partner or children pay your mortgage if you weren't here anymore? A life insurance payout could ensure your family can keep their home.

COVER RECOMMENDATIONS FOR PEOPLE WITH DEBTS

  • Funeral

  • Debts

  • Living costs

It’s even more important you make adequate provisions for your children should the unthinkable happen while they’re still dependent on you. An insurance payout could give them the start they deserve.

COVER RECOMMENDATIONS FOR SINGLE PARENTS

  • Funeral

  • Debts

  • Living costs

  • Kids' future

Just because you don't have an income, your family could still suffer financially if you were to die. Your spouse/partner might have to quit their job to look after your children or need to pay for childcare and a housekeeper. An insurance payout could provide the money they need to have these choices.

COVER RECOMMENDATIONS FOR PEOPLE WHO STAY AT HOME WITH KIDS

  • Funeral

  • Debts

  • Living costs

  • Kids' future

Without a partner or dependants you might not need life insurance. But there are exceptions. For instance, if you have a child or children that do not live with you but are still to some degree financially dependent on you. Also, could your family cope with the cost of your funeral? You may just need something simple like Funeral Cover to ensure your funeral costs are covered.

COVER RECOMMENDATIONS FOR SINGLES

  • Funeral

  • Debts

You probably don’t need life insurance – but it doesn’t hurt to have a serious think about your situation and use our handy calculator to see how much some basic cover would cost you.

If you have people who depend on you for financial support then you should seriously consider life insurance. It might mean your family won’t have to pay any outstanding mortgage amounts, credit card bills or other debts you’re carrying now.

Calculate what's right for your situation

You have a partner and kids

If you’ve got a spouse/partner and children, you definitely need to ensure their financial needs are taken care of if you pass away – and adequate life insurance might be the right choice for you.

COVER RECOMMENDATIONS FOR SPOUSE/PARTNER WITH KIDS

  • Funeral

  • Debts

  • Living costs

  • Kids' future

Get a quote

Your parents depend on you

It could be that they're not able to work and/or aren't eligible for national superannuation yet. Insuring your life would mean you don't need to worry about who will take care of your parents should they outlive you.

COVER RECOMMENDATIONS FOR PARENTS DEPENDENT ON YOU

  • Funeral

  • Debts

  • Living costs

You have debts

A mortgage is a large responsibility that doesn’t simply go away when you die. Could your spouse/partner or children pay your mortgage if you weren't here anymore? A life insurance payout could ensure your family can keep their home.

COVER RECOMMENDATIONS FOR PEOPLE WITH DEBTS

  • Funeral

  • Debts

  • Living costs

You're a single parent

It’s even more important you make adequate provisions for your children should the unthinkable happen while they’re still dependent on you. An insurance payout could give them the start they deserve.

COVER RECOMMENDATIONS FOR SINGLE PARENTS

  • Funeral

  • Debts

  • Living costs

  • Kids' future

You stay home with kids

Just because you don't have an income, your family could still suffer financially if you were to die. Your spouse/partner might have to quit their job to look after your children or need to pay for childcare and a housekeeper. An insurance payout could provide the money they need to have these choices.

COVER RECOMMENDATIONS FOR PEOPLE WHO STAY AT HOME WITH KIDS

  • Funeral

  • Debts

  • Living costs

  • Kids' future

You're single

Without a partner or dependants you might not need life insurance. But there are exceptions. For instance, if you have a child or children that do not live with you but are still to some degree financially dependent on you. Also, could your family cope with the cost of your funeral? You may just need something simple like Funeral Cover to ensure your funeral costs are covered.

COVER RECOMMENDATIONS FOR SINGLES

  • Funeral

  • Debts

You're young

You probably don’t need life insurance – but it doesn’t hurt to have a serious think about your situation and use our handy calculator to see how much some basic cover would cost you.

If you have people who depend on you for financial support then you should seriously consider life insurance. It might mean your family won’t have to pay any outstanding mortgage amounts, credit card bills or other debts you’re carrying now.

Do it online

Have a question or need life insurance guidance?

Call us at 0800 808 234

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