Best Life Insurance In Australia
Battling the Biggest and Baddest Moments Life Can Throw Your Way
You are proud and love your Super-family. You can’t imagine life without them and they can’t imagine life without you. However there will come a time when every Hero must pass on, and thus no longer ableto fight on behalf of your Super-family. Worse still the departure may not be expected.
But that doesn't mean you have to leave your loved ones unshielded, to battle on alone.Life Insurance is your way of giving your family the protection they need to fight on after you’re gone.
Just as every Hero has their own set of powers, every good citizen will have their own individual needs when it comes to searching for a Life Insurance Super-plan. What’s the Best Life Insurance in Australia for you? Your Super-pals at Superhero Insurance are here to help you find out!
Here’s Captain Protection himself with some Heroic Hints on how to get started:
The fantastic fund from a life insurance plan can leap to your family’s aid to:
- Keep a family business in the black.
- Pay for your Hero’s funeral.
- Help pay for medical expenses.
- Pay for ongoing everyday living costs.
- Protect your Super-spouse’s retirement plans.
- Fund future endeavours, like your children’s education.
And here’s a bold little bonus – there’s no tax placed on most life insurance plan payouts! Huzzah!
Different Adventurers Need Different Arrangements
We Super-Insurance types are genuine geniuses when it comes to picking the Best Life Insurance in Australia for you. Different plans, and different insurance companies, have different rates and requirements depending on your situation.
What situations, you ask? Behold!
BAM! You’re married!
Congrats! You’re hitched, you tied the knot, you got yourself the best ball-and-chain a Hero could ever want. So now you’re thinking you might get yourself some Life Insurance once some Super-kiddies start showing up under the Super-rocks in your Super-backyard garden, right? Wrong!
Your family’s protection needs to start now, even when there’s only the two of you. Let’s say you’ve gone and got yourselves a shiny new Headquarters, and maybe a new Family-mobile. The payments are no big deal for a couple of Hard-working Heroes like yourselves.
But… calamity! You succumb to a fatal injury during a turn at Trivial Pursuit, or you find out the hard way that you’re allergic to shellfish! Now that you’re eternally unavailable for the Christmas card pictures, will your Majestic Mister or your Magnificent Missus be able to keep up with the house payments? The car payments? How about while paying off debts like student loans at the same time?
It’s simply far better to have a policy already in place.
KAPOW! You’re married and you have Super-kids!
But then you kick off. All the same questions apply, but now your Widowed Wonder of a Spouse has an extra mouth or two to feed, to care for when they’re sick (including possibly taking time off work for home care), has to pay for their education all on his/her, has to pony up for gas for trips to the Junior Footbal League, you name it. Would they have to dip into the kids’ investment funds in order to make ends meet?
BOOM! Speaking of single parents…
Only about 4 in 10 single parents have coverage. And within that group, some feel they don’t have nearly enough to pay the barrage of bills.
ZOWIE! You’re a stay-at-home parent!
Don’t ever underestimate the monetary value of a Super Stay-at-home Mom or Dad! We’re talking shopping, chauffeuring, cleaning, cooking, making sure Super-junior isn’t trying to fly face-first off the rooftop… Imagine how much extra money just one of these activities will cost if you have to hire an outsider to take over.
LOOK OUT! It’s the Terrible Estate-tax Man!Boooooo!
When you die your loved ones may get hit right between the eyes with an estate tax payment that can soar up to 45%! But the benefits from aLife Insurance Super-policy are payable immediately and can help pay off that terrible tax without your loved ones having to liquefy assets on the double-time, often for a fraction of what they’re worth.
As an added bonus, your Super-friends at Superhero Insurance can help you structure your policy to be income-tax free and to not add to your estate-tax liability.
WHAM! You own a small business!
And then one of your key personnel goes and dies on you. With a properly-constructed policy, you can have a “buy-sell agreement” in place, which means that the remaining business partners will have the funds to buy out the deceased member’s share of the business, and the deceased’s family gets the money. Win win! (Well, except for the dying part, that’s a bit of a shame really.)
With “key-person” insurance, which is payable to the business as a whole, you’ll have funds to hire a new member for your Super-team.
“But hey my Superhero Insurance friends, I’m single! I don’t need life insurance, never mind the Best Life Insurance in Australia, do I?”
Congrats! You’re socially awkward and unlovable! (Just kidding, we love you. For who you are.) There are still some scenarios in which a Super Single should look at picking up a Super-policy.
Maybe you have elderly loved ones who are going to require closer and more expensive medical care. Or perhaps there’s someone in your life who has special needs.
Perhaps you’re carrying a diabolical debt and you don’t want to pass on the burden to your loved ones.
The best part about being young and single and healthy – other than nobody constantly telling you to take out the trash – is that when it comes to getting the most bang for your insurance buck you’re in the prime of your life.
So what is the Best Life Insurance in Australia for you?
Like we said, different strokes for different Heroic folks. It really will depend on you and your lifestyle. With that in mind, there are a number of different options and benefit when it comes to Life Insurance to consider.
Overwhelmed? Under pressure? Stymied, stalled, or just plain stuck as to how to find the Best Life Insurance in Australia for you? Your Super-friends at Superhero Insurance are here to steer you through!
Super-click your way to http://www.superheroinsurance.com.au/ and use our Awesome Internet-Oriented Policy Comparison Machine to get yourself a FREE Online Insurance Quote!
The Best Life Insurance Policy in Australia for you is out there, waiting. We’re going to help you grab it!
General Advice
The Parkhill Financial Group, under the brand Superhero Insurance, is a corporate authorised representative of Integrity Financial Planners Pty Ltd (IFP) AFS Licence # 225051. Click here to find out more.