Life Insurance

I need help with life insurance

Life insurance can be an unsettling topic, but it’s something we all should do sooner rather than later. It’s probably something that has crossed your mind a few times, but it’s been put in the ‘too hard’, or ‘too expensive’ category – but read on for why we think life insurance is a must-have.

Protect your family

Put simply, life insurance is an agreement that if you die, or are diagnosed with a terminal illness, a lump sum of money will typically be paid out to your spouse and children. In special situations, this can be paid to other family members such as parents or siblings.

Ultimately, this insurance can help you be there for your family financially, even when you’re not physically there – helping ease the burden on them and allowing them to take adequate time to grieve.

Get peace of mind

So for peace of mind, stop putting off getting life insurance today. Getting insurance will ensure that your family’s lifestyle can remain the same, and protect them from personal debt that you leave behind – the way that it should be.

On top of security and peace of mind for both you and your family, getting life insurance early on can potentially save you money. This is because one of the ways your life insurance is calculated is by health status, and generally you’re more likely to develop health conditions as you age.

Talk to an advisor

If you’ve been avoiding the all-important insurance talk, but know that you need to get it sorted, talk to an expert. An expert can independently advise you on the right policies for you, check if you already have life insurance through superannuation, help you out with the paperwork and even submit claims when need be.

At Rising Tide, your finances are important. We’re here to help you put together an effective financial plan to support you on your way to achieving success.

Your life insurance application

For more information on how our expert Financial Planners can support you with life insurance, contact us today.

Throughout the life insurance application process, we will ask for a lot of information about your health history, financials & also your work. This information has a big say in the type of insurance you can get alongside the premiums you pay.

The life insurance application process is more detailed than your car or health insurance because the insured levels are much higher. Often life insurance claims are well into seven figures. We also press the importance of getting all the information upfront, so things are smooth sailing at the time of claim.

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