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What is life insurance through early retirement?
That means paying for life insurance with the money found in your super fund. Generally you will get the default coverage level of your funds' offers. You can choose this option through your employer or when you create your super fund. As long as your employer, or you, regularly contributes to your account, you will have some level of life insurance coverage.
What did I cover for life insurance through early retirement?
Life insurance through a super fund usually includes one or more of three different types of coverage:

Death Coverage, which pays a lump sum or income stream benefit amount to your beneficiaries if you die.
Full and permanent disability cover, which pays you an allowance if you are severely disabled and will not risk working again for this reason.
Income protection to cover the loss of earnings in a certain period if you cannot work due to a temporary illness or accident.

How do I know how much life insurance I need?
To get an idea of ​​how much insurance coverage you need, start calculating the total cost of things your loved ones would still need if you didn't earn more.
It could be bills, debts, mortgages and personal loans. The sum total of these gives you an idea of ​​the amount of coverage that your loved ones would need to continue meeting your financial responsibilities in your absence.
Try our life insurance calculator now.