Coverage
Life Insurance
Life insurance is a promise to the people who rely on your income: if you're no longer there, a payout helps them stay on their feet — covering living costs, debts, education, or simply time to adjust.
The right policy depends on who depends on you, for how long, and what obligations you'd want settled. That's a conversation, not a checkbox — and it's exactly what Alan helps you work through before you commit to anything.
Who this cover is for
- Parents and partners whose income supports a household
- Homeowners with a mortgage they wouldn't want passed on as a burden
- Business owners whose family or partners would face obligations without them
- Anyone who wants funeral and final expenses handled in advance
What it can cover
Term life cover
Protection for a fixed period — often matched to a mortgage or the years until children are independent.
Whole-of-life cover
Cover that stays in place for life, often used for final expenses or estate planning.
Family income protection
Pays out as a regular income rather than a lump sum, mirroring the salary your family would miss.
Optional riders
Depending on the insurer: critical illness, waiver of premium, or accidental death additions.
Exact coverage, limits, and exclusions vary by insurer and policy. Before you commit to anything, Alan will walk you through precisely what a specific policy does — and doesn’t — include.
Worth thinking about
- Coverage amounts should reflect real obligations — income replacement, debts, education — not a round number.
- Premiums generally rise with age and health changes, so timing affects cost.
- Exclusions and waiting periods vary by insurer; Alan will walk you through them before you sign.
Common questions
Life Insurance FAQs
How much life insurance do I need?
A useful starting point is the income your dependents would need, for how many years, plus debts you'd want cleared. Alan will help you work through that math for your actual situation rather than guessing at a figure.
Term or whole-of-life — which is right for me?
Term cover is usually the affordable way to protect a defined period, like a mortgage or child-raising years. Whole-of-life suits permanent needs such as final expenses. Many people combine both.
Do I need a medical exam?
It depends on the insurer, your age, and the coverage amount. Some policies are fully underwritten; others ask only health questions. Alan will tell you what to expect before you apply.
Related
Other cover to consider
Let's find life cover that fits.
Tell us what you'd like to protect, and broker Alan Rivera will come back with options explained in plain language. No cost, no obligation.
Prefer to talk? +1 (555) 010-0199