Life Cover

Most big moments in your life are planned, such as a marriage, the arrival of a baby, or a new job…but then there are other moments that can take you by surprise. Having adequate financial protection in place can give you peace of mind, knowing that in the event of your death or terminal illness, you can help ensure your family will be financially looked after and able to maintain their current standard of living.

Life Cover Solution

Life Cover will provide a lump sum payment to your nominated family members in the event of death or terminal illness. You choose the level of cover required at the time of application that best meets your circumstances and budget. You are able to increase or decrease the level of cover you require as your financial situation changes.

The lump sum payment can be used by your nominated family members however they require but most families use it to repay debts such as the mortgage, invest to create a future income stream, meet education and/or childcare expenses, help with estate planning or business buyouts.

A medical assessment is required prior to your cover being offered and put in force.

Benefits of Life Cover

At My Insurance House we ensure the benefits and cover provided to our clients suits your needs. Some of our benefits include:

  • Ability to pay your premiums via super making the costs of your cover more affordable.
  • Ongoing cover and no increase in your individual premium because of changes in your health, occupation or pastimes.
  • Your cover will be indexed each year to ensure your benefit maintains real value without the need for new medical assessment.
  • A funeral advance benefit will be paid upfront to help cover the costs of a funeral and other immediate expenses.
  • Ability to cash in some or all your life cover benefit at a pre-determined rate if you suffer a severe medical condition.
  • Ability to put your premium and cover on hold for up to 12 months.

How Much Cover Do I Need?

Obtain A Quote Today

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This information is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation and needs. Before acting on such information, you should consider the appropriateness of the information having regard to your personal objectives, financial situation and needs. You should read and request the relevant Product Disclosure Statement (PDS) and Policy Document that can be provided by a My Insurance House Consultant before making and decision about a product.

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My Finance House Pty Ltd (ABN: 93 152 933 027) and its advisors are authorised representatives of Australian Finance Group Pty Ltd (ABN: 11 066 385 822) ACL: 389087. My Property House Pty Ltd (ABN: 95 546 970 124) holds corporate licences in SA (RLA258698), VIC (075837L), NSW (10023837), QLD (3734768). My Insurance House Pty Ltd (ABN: 98 617 730 506) and its advisors are authorised representatives of Spectrum Wealth Advisers Pty Ltd (ABN: 57 134 661 706) AFSL: 334400. My Planning House Pty Ltd (ABN: 67 250 050 701) is a referral partner to BAM Financial Planning (ABN: 38 243 277 188) who are a corporate authorised representative of Financial Services Partners Pty Ltd (ABN: 15 089 512 587) AFSL: 237590. My Accounting House (ABN: 93 989 069 265) is a referral partner to Rowe Partners Pty Ltd (ABN: 59 105 365 688).

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