Protect what matters.
Plan what comes next.

Coverage for a set period, with a death benefit if you die while covered.

Who may consider itFamilies with temporary income or mortgage needs.

What to discussAsk about renewal costs, conversion deadlines and the coverage end date.

Designed for lifelong coverage while the policy stays in force.

Who may consider itPeople reviewing long-term protection needs.

What to discussCompare lifetime affordability, guarantees and any surrender charges.

Permanent insurance with potential policyholder dividends. Dividends are not guaranteed.

Who may consider itPeople exploring long-term coverage and cash values.

What to discussCompare guaranteed values separately from illustrated dividends and ask how dividend options work.

Permanent insurance combined with an investment component.

Who may consider itPeople comfortable reviewing funding and investment choices regularly.

What to discussCosts and investment performance affect the funding needed to keep coverage in force.

Covers two people and pays on the first insured death.

Who may consider itCouples with a shared financial obligation.

What to discussDiscuss what protection remains for the survivor and compare two individual policies.

Covers two people, with the death benefit payable after both have died.

Who may consider itCouples considering a later estate funding need.

What to discussIt does not fund the survivor’s needs at the first death; review those separately.

Life coverage on a child, through a standalone policy or rider where available.

Who may consider itParents considering a child’s protection within the family budget.

What to discussCompare rider limits, future coverage options and the parents’ own protection priorities.

Review insurance that could help loved ones manage the home loan after an insured event.

Who may consider itHomeowners and families taking on a mortgage.

What to discussCompare personal coverage with lender coverage, including who receives the benefit.

A planning review of income, debts, savings and dependants’ needs.

Who may consider itFamilies whose responsibilities have changed.

What to discussInclude childcare, unpaid caregiving and existing workplace benefits.

Plan how funeral and other immediate costs could be met.

Who may consider itPeople wanting loved ones to have a clear financial plan.

What to discussCompare savings and insurance, including waiting periods and exclusions.

Review who receives policy proceeds and whether designations reflect your wishes.

Who may consider itPeople experiencing a birth, marriage, separation or loss.

What to discussDiscuss contingent beneficiaries and obtain legal guidance for minors or complex situations.

Check current policies against today’s responsibilities and budget.

Who may consider itAnyone with older policies or changing workplace coverage.

What to discussBring policy statements; do not cancel existing coverage before replacement is confirmed in force.

May pay a lump sum after a covered diagnosis when policy conditions are met.

Who may consider itPeople concerned about the costs of a serious illness.

What to discussCovered conditions, definitions and survival periods vary. Not every diagnosis qualifies.

May replace part of your income when covered illness or injury prevents work.

Who may consider itEmployees and self-employed people who rely on their earnings.

What to discussReview the disability definition, waiting period, benefit duration and other benefit offsets.

May help pay eligible health and dental expenses beyond existing coverage.

Who may consider itPeople reviewing gaps in employer or public coverage.

What to discussCheck reimbursement percentages, annual maximums, exclusions and waiting periods.

May help with care costs when you need assistance with daily living.

Who may consider itPeople exploring future care funding.

What to discussAvailability and eligibility vary; review benefit triggers and other ways to fund care.

Coordinate the owner’s personal protection with business continuity needs.

Who may consider itOwners whose family income depends on their business.

What to discussSeparate family income needs from company debts and operating costs.

Insurance on an essential person may help a business absorb the financial impact of their loss.

Who may consider itBusinesses reliant on particular expertise or relationships.

What to discussReview ownership, beneficiary arrangements and the cost of replacing that person.

Explore insurance as a source of funds for an ownership transfer after a covered event.

Who may consider itBusiness partners with succession responsibilities.

What to discussA lawyer should prepare the agreement; coverage must align with valuation and its terms.

Review insurance funding for business borrowing after an insured event.

Who may consider itOwners with loans or personal guarantees.

What to discussDiscuss loan obligations, assignments and beneficiary arrangements with appropriate professionals.

May reimburse eligible operating expenses while an insured owner is disabled.

Who may consider itOwners with ongoing rent, utilities or eligible staff costs.

What to discussReview eligible expenses, reimbursement limits and benefit duration; it is separate from personal income protection.

Market-based investments held within an insurance contract, with contract-specific protection features.

Who may consider itInvestors comparing insurance-based investments with alternatives.

What to discussYou can lose money. Review fees, maturity and death-benefit guarantees, timelines and the effect of withdrawals.

Review goals, savings habits, time horizon and investment comfort.

Who may consider itPeople building a retirement plan.

What to discussDiscuss risk, fees, liquidity and available account choices before choosing a product.

Map expected spending against pensions, savings and other income sources.

Who may consider itPeople approaching or living in retirement.

What to discussConsider inflation, longevity, market changes and withdrawal flexibility; projections are not guarantees.

Explore how insurance and beneficiary choices could support the people and causes you care about.

Who may consider itFamilies planning how to pass on wealth.

What to discussCoordinate decisions with your legal and tax advisers.

Review the insurance part of your estate plan alongside professional legal and tax advice.

Who may consider itPeople organising inheritance and estate funding.

What to discussThis supports planning; it does not replace a will, powers of attorney or legal advice.

Explore insurance funding when assets such as a business or property cannot easily be divided.

Who may consider itFamilies seeking balance among beneficiaries.

What to discussAgree on valuations and intended outcomes with legal and tax professionals.

Explore how insurance could support a charitable legacy.

Who may consider itPeople wishing to include a cause in their long-term plans.

What to discussOwnership, beneficiary and premium arrangements affect outcomes; confirm tax treatment with a qualified adviser.