For most people, life insurance is not about themselves. It is about the people they care about. It is a way of knowing that if the unexpected were to happen, loved ones would have financial support during an already difficult time.

Many people ask this question when life changes, such as buying a home, starting a family or taking on new responsibilities. Life insurance is about recognising that others may rely on you and deciding how you want to protect them.

There is no single answer. The right level of cover depends on your income, financial commitments and the people who depend on you. Our role is to help you think this through clearly, rather than guess or over insure.

Not necessarily. Life insurance can be relevant for anyone with shared financial commitments, a mortgage or people who would be affected financially if they were no longer around.

Life does not stay the same, and your cover should reflect that. Policies can be reviewed when things change, such as moving home, changing jobs or growing your family.

Health can play a role, but this does not mean options are not available. We help guide you through the process and explore suitable solutions where possible.