Just the Two of Us
You’re in a serious relationship. You may already have a home or be saving for your first one. The biggest change in this stage is that you are not just responsible for yourself but for your partner as well. You worry about your own needs, and feel responsible for the person that you love. Your income and monthly obligations should be a part of your life insurance considerations.

Age: 20-35
Individual / household income: $30 - $100k+ / $60 - $200
Children: no
Main financial responsibility: mortgage / rent
Debt levels: high
Disposable income: low/mid
Main priorities: maintain a certain lifestyle, protect income, ensure key debts are serviced, not burdening your partner if you cannot contribute financially.
Level of price consciousness: you have a lot more to lose now if you are unable to make an income. Whilst you still want a good price for your insurance, you are certain it is worth paying for.
Individual / household income: $30 - $100k+ / $60 - $200
Children: no
Main financial responsibility: mortgage / rent
Debt levels: high
Disposable income: low/mid
Main priorities: maintain a certain lifestyle, protect income, ensure key debts are serviced, not burdening your partner if you cannot contribute financially.
Level of price consciousness: you have a lot more to lose now if you are unable to make an income. Whilst you still want a good price for your insurance, you are certain it is worth paying for.
“I’m not just thinking about myself anymore. Now I have a responsibility to my partner.”
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
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Income Protection insurance
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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 |