Still Working

You are probably aged between 50 – 65, with teenage or adult children. With established careers, this can be the time to consolidate your career or branch out become self employed.

You own your home and are taking retirement planning seriously. You have more free time and are spending more money on holidays

What is at risk?

Your retirement plans.

You need income to meet your ongoing lifestyle and saving for retirement. Your current family lifestyle could be effected.

What might happen?

You could suffer a heart attack, die from aggressive cancer, suffer a stroke and be permanently paralysed or do damage to your back while gardening.

What are the consequences?

Commencing retirement prematurely and drawing on funds too soon. Your spouse may have to work longer than planned.

Insurance typePriority
Life Cover★ ★ ★ ☆ ☆
Income Protection★ ★ ★ ★ ★
Trauma/TPD★ ★ ★ ☆ ☆

Insurers we work with:

  • AIA
  • AMP
  • Asteron
  • CommInsure
  • Macquarie
  • MLC
  • OnePath
  • TAL
  • Zurich

How much life insurance do you need? ?

Debt + (Income x 66% x years to 65) + $10,000 for funeral
How much debt do you have?
What is your income?
What is your age?
Life Insurance Requirements:

How much income protection do you need? ?

75% of income in monthly benefit (i.e. divided by 12)
Monthly Income Protection Eligibility:
* 25% cash back payable for the first year only, once policy has been inforce for 13 months