Consider your life insurance needs while you are young and healthy.
Whilst you don’t have any children dependent on you, as a young couple your responsibilities are towards each other. Together you both still face many risks to your current and future lifestyle that you both should consider. It’s worth taking a moment to think about what would happen if one of you lost your ability to earn an income through illness or if one of you unexpectedly passed away. Consider the consequences of permanent disablement and how you would manage lifestyle changes and still provide financially for your partner.
No one plans to get sick, injured or to die un-expectedly. We often have a tendency to think that it won’t happen to us but the reality of serious injury, illness and death is that it can affect anyone. Even though you are relatively young and still expanding your financial responsibilities, the potential impacts of one of you being unable to provide a source of income if you are ever unfortunate enough to suffer such an event can be financially as well as emotionally devastating. Having a life insurance policy in place gives you peace of mind that you will be financially secure if something like this were to happen.
It is so important to consider your life insurance needs while you are relatively young and healthy, before you have any health scares and while there are still a range of options available to you. Too many people only realise the need for insurance once they begin to experience health problems and it is often too late.
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Australia is one of the most under insured nations in the developed world.
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3 Indicative premium based on a 34 year-old male non-smoker with $100,000 Life cover.
5 25% less statement based on cumulative average premiums for $500,000 Death cover of relevant direct life insurers from their websites as at 3rd October 2014, based on ages 30, 35, 40, 45 and 50 years.
The insurance is issued by Allianz Australia Life Insurance Limited ABN 27 076 033 782, AFSL 296559. The information contained on this website is general information only. It does not take into account your individual objectives or financial situation. You should therefore consider the appropriateness of the insurance having regard to your objectives, financial situation and needs. Prior to making any decision you should read the Allianz Life Plan Product Disclosure Statement and Policy Document (PDS). You should seek advice from your financial adviser before deciding on appropriate insurance cover.