Life Insurance - Family Illness & Death

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Help support your loved ones when they need it most

If you’ve ever seen someone you know struggle financially after the loss of their partner or parent, you’ve had a glimpse into how difficult it can be.

The thought of losing a loved one is traumatic, but having life insurance can help take some of the stress away. Taking practical steps to plan you and your family’s future in the event of your death or terminal illness can help the people you care about get through an extremely difficult period.

Here’s what you may want to consider

Life Insurance

Suncorp Life Insurance provides your family with a lump sum payment in the event of your death or if you’re diagnosed with a terminal illness. That money could help cover mortgage repayments, education costs and everyday expenses like groceries or travel costs, easing the financial strain on your loved ones.

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Is life insurance worth it?

Life insurance is there to protect your loved ones if something were to happen to you, making it an extremely important part of planning for your family’s future. With the ability to shift with you through life’s big changes, life insurance can offer support to your family whatever comes your way.

Get a quote for cover that’s built for your family’s needs

The decisions you make today can make a difference to your family’s future. Part of this is making sure they have some financial cover should something happen to you.

By paying regular premiums, your chosen beneficiaries can access your life insurance lump sum payment if you pass away or are diagnosed with a terminal illness.

There are two common ways to take out life insurance - life insurance through superannuation or through a provider. There are key features of Life Insurance through superannuation, Premiums may be lower through your superfund and you may be guaranteed acceptance without medical or personal questions. But the benefit amount may be lower and it may not cover certain medical conditions. You may already have some life insurance through your super, so it’s worth checking. With a provider, like Suncorp Life Insurance, you are able to choose your type and level of cover, and adjust it as your circumstances change. Make sure you do your research before choosing what is right for you.

Key features through superannuation

Automatic payments direct from your superannuation balance
Premiums may be cheaper
May offer automatic acceptance
May not require medical checks for forms
Payment may be delayed
May not cover certain medical conditions

Key features through provider

Flexible options for cover
Personalised to your needs and budget
Can update policy easily when circumstances change
May receive the benefit faster
May have limitations on the type of life insurance offered

Whether you’re growing your family, purchasing a new home or changing careers, life insurance can help cover your expenses, from your mortgage to a funeral, easing the financial burden on your family.

Suncorp Life Insurance allows you to live life confidently, knowing your family can have some support whatever comes your way. That’s the Suncorp Spirit.

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General advice only. You should consider if the advice is right for you and read the PDS available at suncorp.com.au/insurance/policy-documents before making a decision to buy or continue to hold a product. The Target Market Determination (TMD), where applicable, for the product is available on our website at suncorp.com.au/insurance/policy-documents.

This video is brought to you by TAL Direct Pty Limited 39 084 666 017 AFSL 243260. Products are issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life or insurer) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL Life is not part of the Suncorp Group. TAL Life uses the Suncorp brand under licence from the Suncorp Group.

Adjustable cover for life stages and events

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Having a family

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Couples

Buying a home

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The friendly Suncorp Life team are Australian-based and here for you. If your needs and personal circumstances are more complex and you need financial advice, please talk to your Financial Planner.

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Information is current as at 23 March 2020 and may be subject to change from time to time without notice. Suncorp Life insurance products, other than in some circumstances the Redundancy Benefit, are provided by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL is not part of the Suncorp Group. TAL companies use the Suncorp brand under licence from the Suncorp Group. The different entities of TAL and the Suncorp group of companies are not responsible for, or liable in respect of, products and services provided by the other.

Any advice on this page is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017, AFSL 243260 (TAL Direct). General advice does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold a Life Insurance product you must read the Combined Product Disclosure Statement (PDS) and Financial Services Guide (FSG). The PDS and FSG contain important information which will help you understand the product, including what's covered and what's not covered and to help you decide whether it is appropriate for you and whether to use any of the services offered. The Target Market Determination (TMD) for the product is also available.

If you decide to purchase or vary a financial product, PV will receive fees and other benefits, which will be a dollar amount or a percentage of the premium you pay. You can ask us for more details.

TAL Life supports and adheres to the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry through the Financial Services Council to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities.