Life Insurance
Life Insurance
Life Insurance provides a financial safety net for your loved ones if you pass away or are diagnosed with a terminal illness. A lump sum payment is made to your nominated beneficiaries, helping them manage major expenses like the mortgage, living costs, education, and other debts during a difficult time. Whether you're a parent, partner, or business owner, life cover ensures that your financial responsibilities don't become someone else's burden.
At Angelic Insurance, we help Australians understand and compare life insurance policies from leading providers. Our general advice service helps you navigate benefit amounts, policy inclusions, and optional extras, so you can protect your family and legacy with confidence.
How It Works
You choose a coverage amount and pay regular premiums. Upon your death, your beneficiaries will receive the agreed payout to help cover expenses or secure their financial future.
Choose your cover amount
Select a lump sum that reflects your family’s financial needs such as outstanding debts, education costs, and daily living expenses.
Apply for a policy
Provide basic information about your age, health, lifestyle, and occupation. Some policies may require a medical questionnaire or exam, while others offer simplified or fully underwritten options.
Pay regular premiums
Your premium is the regular payment (monthly or annually) you make to maintain your policy. This cost is based on your level of cover, health profile, and policy type.
Make a claim (by your beneficiary)
In the event of your death or terminal illness diagnosis, your nominated beneficiary or legal representative can lodge a claim with the insurer.
Benefit payout
Once approved, the insurer pays the agreed lump sum directly to your beneficiary helping cover expenses, debts, and providing peace of mind for those left behind.
Why You Need It?
It ensures your family will not face financial hardship if you pass away unexpectedly. This can be especially important if you have dependents or significant financial obligations.
Family Protection
If you have dependents, life insurance can help ensure they’re financially secure even if you're no longer there to support them.
Mortgage and Debt Cover
A life insurance payout can be used to clear outstanding loans, including mortgages, credit cards, or personal debts, easing the financial pressure on your loved ones.
Education and Future Planning
The lump sum benefit can fund your children’s education and long-term needs, keeping their future on track.
End-of-Life Expenses
Life cover can help your family manage funeral costs, legal fees, and estate matters without financial stress.
Business Continuity
If you’re a business owner, life insurance can be used to protect partners, fund buy/sell agreements, or manage succession planning.
How Angelic Insurance Can Help?
Angelic Insurance works with top insurers to offer a range of life insurance policies tailored to your personal and family needs. We provide expert advice, helping you choose the right coverage amount and terms to secure your family’s future.
We Compare Leading Insurers
We compare life insurance policy options from multiple insurers to help you find competitive premiums, flexible cover, and policy features that match your needs.
General Advice with Clarity
We provide factual, product-based information without complex jargon so you can make informed choices without pressure or sales tactics.
Policy Setup Made Easy
Our team helps guide you through the application process, ensuring you understand what’s required and what’s included in your policy.
Help with Beneficiary Planning
We offer general guidance on how to nominate and update your beneficiaries, so your payout goes to the right people.
Support Over Time
As your family, income, or goals change, we’re here to review your policy and ensure it still aligns with your priorities.
Frequently Asked Questions
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