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Life insurance how much do I need?

  • by The Quotesonline Team

Life Insurance Online

Australians are under-insured

Research*  shows most Australian’s are under insured when it comes to protecting  themselves and their family in the event of a serious illness, injury and death.

A number of insurers offer insurance needs calculators, here is a link to life insurer AIA‘s insurance-needs calculator and click here for Onepath‘s version.

How will insurers calculate my needs?

You will need to take into account your age, your health, your family history and how many more years you will have at work. Whats your debt?  Are you a smoker?  How often do you drink? Should you choose stepped and level premiums?

Your life insurance needs will be based on your current debt level and the future requirement of your family.

If your unsure what cover you should have you should talk to a licensed adviser.


* Swiss Re Economic Research & Consulting , 2007 

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