Life insurance and income protection insurance is offered by both direct life insurers and through licensed advisor’s, the products offered are not normally the same, you should consider your circumstances and if unsure seek the advise of a professional. In Australia direct life insurers can offer life cover up to $1 million above that amount you will have to see a licensed advisor.
Direct life insurers don’t offer commissions but many spend large sums on marketing directly on TV, Radio and print adding to there cost.
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