Young Family
You’re in a relationship and have young children and maybe one more on the way. You worry about your family and what would happen if something unexpected were to happen such as an illness or injury. You may both work, so childcare is an expense that is a regular consideration, as is providing a good education for your kids. A steady income is critical to the financial strength of your family.
Insurance is very important at this stage - creating a safety net of protection for those who matter most.
Insurance is very important at this stage - creating a safety net of protection for those who matter most.

Age: 30 - 40
Household income: $80k+
Children: young children
Main financial responsibility: you own a house and your mortgage debt will likely exceed $500k. Your children are at the forefront of your mind all the time - particularly the costs of running a household. Disposable income is hard to come by.
Debt levels: high
Disposable income: low
Main priorities: service debts, monthly expenses, provide for your partner and children, child care.
Level of price consciousness: while you don’t have a great deal of disposable income, the risk of not being insured outweighs the cost of the policy.
Household income: $80k+
Children: young children
Main financial responsibility: you own a house and your mortgage debt will likely exceed $500k. Your children are at the forefront of your mind all the time - particularly the costs of running a household. Disposable income is hard to come by.
Debt levels: high
Disposable income: low
Main priorities: service debts, monthly expenses, provide for your partner and children, child care.
Level of price consciousness: while you don’t have a great deal of disposable income, the risk of not being insured outweighs the cost of the policy.
“My priority is to make sure my family would be okay if anything happened to me.”
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 |