Full Nesters and Kids
You are a couple with kids that are teenagers or older and on their way to becoming independent. Your kids depend on you for your financial support. You and your partner have worked hard over the years and your increased income, lessened debt and assets reflect this. You would like to retire someday so saving is a priority. You worry about protecting life that you have built and the higher educations of your children.You may already have insurance but you might want to re-evaluate your coverage at this time since you have so much at stake.

Age: 40+
Household income: $150k+
Children: older children
Main financial responsibility: you own a house and regular payments over the years have increased your equity and reduced your debt. Your children are older but still financially dependent. Your disposable income is now near its peak.
Debt levels: mid
Disposable income: high
Main priorities: protect your assets, be financially sound in order to protect your children’s wellbeing should you need to, ensure there is plenty of money available to protect your family’s future should you not be around.
Level of price consciousness: you understand the relative cost of insurance as you it has been part of your monthly expenses for years. You may be looking to reduce your cover now that your debt is lower.
Household income: $150k+
Children: older children
Main financial responsibility: you own a house and regular payments over the years have increased your equity and reduced your debt. Your children are older but still financially dependent. Your disposable income is now near its peak.
Debt levels: mid
Disposable income: high
Main priorities: protect your assets, be financially sound in order to protect your children’s wellbeing should you need to, ensure there is plenty of money available to protect your family’s future should you not be around.
Level of price consciousness: you understand the relative cost of insurance as you it has been part of your monthly expenses for years. You may be looking to reduce your cover now that your debt is lower.
“I have spent the last 20 years building my family’s wealth and now I need help to ensure it is protected.”
What personal insurance options would we recommend?
Personal Life Insurance
Life insurance is the most important personal insurance option.
If you die or are diagnosed with a terminal illness that leaves you with less than 12 months to live, your family will receive a lump sum. Find out more |
Total & Permanent Disability Insurance
Total & Permanent Disability insurance gives you the peace of mind
that if you are unable to work due to disability, you will receive a lump sum payout. Find out more |
Trauma Insurance
|
Income Protection Insurance
|
Trauma insurance (sometimes called Living Assurance or Critical Illness cover) pays out a one-time sum of money in the event of a life-altering sickness or stroke. This is designed to provide financial support during a recovery period.
Find out more Mortgage Protection Insurance
In the event that you are unable to work because of a serious injury or illness, this cover will pay your mortgage payments for you until you can return to work.
Find out more |
If you are unable to work due to illness or an accident, Income Protection insurance will ensure that you can still pay your living expenses.
Find out more Medical Insurance
Medical insurance means that you can access the best of medical care when you need it most. Talk to us about what is right for you and your family.
Find out more |