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The decision to take out life insurance is a very important one, and one that shouldn’t be taken lightly or made on the spur of the moment. Whether you’re considering term life, income protection, TPD or trauma insurance, it’s essential that you talk to a professional and independent life insurance adviser beforehand to get a full understanding of your various options.

With a little bit of legwork and some expert advice, you can get the valuable peace of mind and financial protection you and your family deserve. Here are the 10 most important questions to ask your adviser to make sure that they – and the cover they can provide – is right for you:

With so many providers, products, features and pricings on the market, it’s no wonder that many Australians question whether they can get a better deal on life insurance.

Chances are, you can get the life insurance products you want for less than you’re currently paying.

If you’ve repaid your mortgage, the kids have left home, you’ve got a healthy amount of savings tucked away or the dangerous past times you used to engage in have stopped, you may not need the same level of cover you once required.

If the thought of tackling a lengthy application process is putting you off applying for life insurance, we understand your struggle. It can be overwhelming if it’s your first time purchasing a life insurance policy. But there’s no need to stress; we’re here to help!

We want to explain the application and assessment process in simple terms. By giving you a better understanding of the processes in place, why they are there and what they achieve, we hope you will feel more confident about approaching us at Cover Australia for a life insurance quote.

Are you reassessing your finances now that life is starting to slow down? In your 50s and 60s (and beyond), life insurance may seem like an unnecessary extra expense – especially with premiums getting higher as you get older.

But the fact of the matter is, no matter how old you are, life is always going to be unpredictable. Whether you’re 20 or 60, there’s no way of knowing what’s going to happen and the best you can ever do is be properly prepared for the unexpected.

If you have a family that you don’t want to burden with debt, a partner who depends on you, or a legacy that you want to leave behind, it’s important to take steps to secure their future and their livelihood. And life insurance is designed to do exactly that.

When it comes to living a long life, Australians will be glad to know that they have a higher chance at this than many other people around the world. Australians are among the longest living people in the world, with an average life expectancy of 82.15 years as of 2015 (the 13th highest in the world according to the CIA World Factbook).

With that said, this doesn’t mean you should let yourself go and not take care of yourself. Life expectancies, after all, are just that – estimates and expectations.

Mortality is always a hard topic to discuss. Whether we like it or not, death is something that we all have to face, and although it’s a subject many of us try to avoid, it’s something we all should be planning for.

To paint a clear picture of death in Australia, we have rounded up the most recent Australian statistics from across the internet. By compiling this data together, we can get a better understanding of the risks we face in life and learn about how we are most likely to pass away.

This information should also prove to be a great resource for anyone looking to the future and hoping to plan out their life insurance policy to protect their family after they pass away.

Gone are the days when life insurance was simply a way to pay your family a lump sum when you pass away. These days there are dozens of types of life insurance on the market, from your basic term life insurance through to TPD, income protection and trauma insurance.

An overview of all the types of insurance on the market would take days to read, so we’ve written a brief guide to the four main types of life insurance Australians need:

Have you avoided adding life insurance to your to-do list? Many Aussies are in the same boat and put off buying life insurance because they think it’s too expensive, but in reality, life insurance can be much more affordable than most people realise.

When you think about it, protecting the financial security of your family should be a priority for everyone. And when you consider the actual cost of life insurance, you will soon realise that it’s not as out of reach as you may think.

 How Much Does Life Insurance Cost?

We’ve all heard the line about how important it is to have life insurance, to make sure your loved ones are looked after and that the future is planned for. But what does it really mean to have life insurance? Is it just an extra cost going towards an intangible thing that you’ll never really need?

Earlier this year, ANZ Wealth and Ipsos Australia conducted a study into the impact of a parent’s death on their children and partner. Other than the devastating emotional impact, the study found that the financial impact on many families was just as distressing, with 47% of parents without life insurance rating their financial position after a partner’s death as ‘Struggling’.

It is very important for business owners to maintain a steady cash flow, especially in the early years of its inception. Any downtime a business experiences can have a negative effect on its futuresuccess, which is why it is imperative to seek advice and compare Income Protection Insurance options for you and your business. But what exactly does Income Protection Insurance provide, and why is it important? Read More