Life insurance
Help your family keep moving forward.
Life insurance can provide a lump sum if you die or meet a policy’s terminal illness definition. It can help the people who depend on you manage debts and everyday commitments.
Insurance advice is provided by Solace Life under its own authorisation and terms. Cover is subject to policy definitions, exclusions and individual circumstances.
When it’s worth a conversation.
- Your family relies on your income.
- You have a mortgage or other debts.
- You want to understand whether existing cover still fits.
Look at the whole picture.
The amount, ownership and beneficiaries of a policy matter. Eligibility, exclusions and policy definitions affect when a benefit can be paid.
Start with who depends on you.
Consider the people relying on your income and the commitments that would remain if you died. Mortgage debt is one part of the picture. Everyday living costs, children’s needs and other household support can also matter.
Review existing policies before considering a change. Insurance held through superannuation may have different ownership and benefit-payment arrangements from cover outside super. Beneficiary nominations, exclusions and the policy’s terminal illness definition need careful explanation. Keep existing cover until any replacement is confirmed and active.
Questions to take into the conversation
- What cover do I already hold, including through super?
- Who owns the policy and how are benefits paid?
- Which exclusions or definitions could affect a claim?
Useful things to bring.
- Current cover, including insurance inside super
- Mortgages, debts and regular household costs
- The people who depend on you financially
What happens next.
Solace Life can review your circumstances and explain suitable options, policy terms and the application process.
InvestorKit Protect and InvestorKit are not the direct providers of personal insurance advice. Insurance advice is provided by Solace Life under its own authorisation and terms. Cover, exclusions and claims depend on the policy and individual circumstances. Other referral partners may be introduced where appropriate.
Your next step
Let’s start with your plans.
Book a conversation with InvestorKit. We’ll help you connect with Solace Life when you’re ready.