How much Life, Permanently Unable to Work and Critical Illness cover you need, will vary according to your individual circumstances. In general, you should consider:
- Any other Life, Critical Illness and/or Permanently Unable to Work cover that you may have, including Life and Permanently Unable to Work insurance provided through your superannuation fund (if any);
- What you can afford;
- Whether or not you have dependants (e.g. spouse, partner and/or children) who are reliant on your income; and
- Whether or not you have a mortgage, or any other debts for which you are responsible such as credit cards and other loans.
If you are unsure about the level of cover you require, we suggest you speak with ourĀ advisers before deciding to purchase
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