Health Insurance
Look after the living years as carefully as the legacy.
Secure Their Future 
A safety net your family will never have to test twice
Life insurance is the most selfless purchase you will ever make — money your family receives when you cannot provide it yourself. We size your cover to your mortgage, your kids' schooling and your partner's income gap, then lock the price for the full term.
What is included
- Term life to $2MLevel payouts for 10, 20 or 30 years — priced once, fixed for the term.
- Whole-of-life optionsPermanent cover with a cash value that grows year after year.
- Income protectionUp to 75% of salary paid monthly if illness or injury stops you working.
- Critical illness advanceA lump sum on diagnosis of covered conditions — no waiting for final outcomes.
- Kids cover includedEvery child under 18 automatically covered at no extra cost.
| Benefit | Family Plus | Essential Term |
|---|---|---|
| Maximum payout | $2,000,000 | $750,000 |
| Income protection | 75% salary | Optional |
| Critical illness advance | Included | Optional |
| Kids cover | Included | Included |
| Terminal illness early pay | Included | Included |
How It Works
Sized right, priced once, paid fast
01
Needs Analysis
We map mortgage, schooling and income gaps into one cover number.
02
Health & Terms
A short health statement; most applicants approved without exams.
03
Lock Your Price
Premiums fixed for the full term — they never rise with age.
04
Family Paid First
Beneficiaries paid within days of a claim, with probate help included.
A common rule is ten times annual income plus the mortgage — but our free needs analysis sizes it to your actual budget and goals.
Most applicants under 55 answer a health questionnaire only. Exams apply to very large sums or disclosed conditions.
Anytime, free, in minutes. Marriages, births and divorces should always trigger a review — we remind you yearly.
Keep Exploring
Complete the family shield
Home Insurance
Keep the family home safe while life cover guards the mortgage.
Business Insurance
Self-employed? Protect the business income too.