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You need income or life protection insurance to safeguard your family and lifestyle.

Your capacity to continue earning a living is very important once you have responsibilities like a mortgage and supporting a family. That's where income or life protection insurance comes in.

There's some excellent information at for people looking for life insurance advice.

Before you decide on income protection insurance, you should answer some questions:

  • Do you have any pre-existing medical or health conditions?
  • How long do you want to receive payments? Two years or five years? Or perhaps up to 60 years of age if you suffer a permanent disability?
  • How long are you willing to wait before receiving payments?
  • Does your superannuation include any income protection? If so, how much and for how long?
  • Do you have any other emergency cash?
  • How much sick, holiday or long service leave have you accrued?

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