If so, please enter the appointment code that was provided to join their session.
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Please answer “No” if you have quit smoking (including e-Cigarettes) for at least 12 months
This amount should include the total of your mortgages, personal and car loans, credit card debt etc. that you would wish to clear in the event of your Death or Disablement. By having all your debts repaid you leave your partner or estate in a position of more security.
These are the total assets you or your family would be able to access and utilise in the case of your Death or Disablement. This would include your Superannuation along with other assets such as Surplus Cash Reserves, Investment Properties and other non essential Assets.
Is someone currently relying on your income? If you die or become disabled, would the loss of this income impact on their lifestyle? If you’re not currently working would your partner stop work and need to replace their income? Insert how much income would be required to cover this replacement income each year to maintain your lifestyle.
This will include items such as future school costs, special needs, University costs, sporting costs, medical costs, their 1st car, etc. If you don't have children, or if this is not relevant to your situation, please put "0" here.
Other items not covered above. For example, the family may relocate closer to remaining family on your death or disablement and the potential costs involved for this, or ongoing support costs for a disabled child.
Please see your approximate levels of cover required below and estimated premiums and quailty ratings based on a selection of major insurers.
You are able to change this level of cover below to recalculate estimated premiums prior to your meeting with your adviser.
*premium differences may change depending on whether single or multiple covers are purchased
The calculated sums insured are an approximate of the insurance cover required.
The premiums reflected in the table are estimated monthly costs.
The premiums are indicative costs only, and may differ upon application.
The levels of cover provided do not constitute financial advice as we have not taken your entire situation into account,and have been provided as a guide only prior to your meeting with your financial adviser.
at yourself with others out loud
kind present focused
what's right your best a good deed
deeply slowly ten times
just because at others always
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