How much cover do I need once we have a child?
The amount depends on your family size, lifestyle and public cover.
Growing Family
Insurance Division
Review your cover as your family grows.
A growing family
Marriage and children change who you protect and what money is needed. We check the living and education costs you want to leave and your public cover, then review your current cover.
Your concerns
Do any of these sound familiar?
How should I think about insurance and saving for education?
There are ways other than insurance to prepare for education costs. We sort out what suits your goals together.
Does my spouse need cover?
What your spouse needs depends on work and how household and childcare duties are shared.
Are premiums weighing on our budget?
A growing family means more costs. We check for overlapping cover.
What happens
What happens when your family grows
Marriage
A time to change beneficiaries and check overlaps between your cover.
Birth
The living costs you want to leave your family change greatly.
Selling and moving
Moving somewhere larger or buying a home changes your fixed costs.
Starting school
Ahead of rising education costs, we review the balance between cover and your budget.
Check points
What to check before you consult us
Before adding insurance, we check the cover you already have. Focusing only on the gaps keeps your household budget manageable.
Public cover (such as survivors' pensions)
We first check public cover your family would receive, such as survivors' pensions.
Living and education costs you want to leave
We estimate the amount from your family size and lifestyle.
Beneficiaries and policy names
Marriage and similar events may require changing beneficiaries or names.
Overlap between your cover
We check whether your cover overlaps or is unevenly balanced between you.
Insurance
Types of insurance we can discuss
We handle products from several life insurers. We listen to your wishes and explain options in light of your public cover.
- Family income life insurance
- Pays your family a set monthly amount if you die or meet the policy's definition of severe disability (it does not cover income while you are unable to work).
- Term life insurance
- Pays a benefit if you die within a set period, among other cases.
- Medical insurance
- Pays benefits when you are hospitalised or have surgery due to illness or injury.
- Cancer insurance
- Pays benefits when you are diagnosed with or treated for cancer.
* Cover and premiums differ by insurer, product, age and other factors. See our insurance solicitation policy for the insurers we represent.View our insurance solicitation policy
Flow
How it works
Book a 30-minute call
Just choose three times that suit you. No visit needed.
We listen
We ask about your family, your current insurance and what you want. It's fine to just listen and stop there.
Proposal
We recommend insurance plans suited to your needs.
Agreement
We proceed only if you are satisfied. We never ask you to sign on the spot.
Book a 30-minute consultation
Just choose three times, and our staff will call you.
FAQ
Frequently asked questions
Can I take out insurance while pregnant?
During pregnancy, conditions may differ by insurer and product. We will hear your situation and explain.
Should I prepare for education costs with insurance?
There are other ways too. We ask about your goals and timing and work out what insurance should cover.
Can we consult you as a couple?
Yes. Consulting together makes it easier to check overlapping cover.
Is a review of my current insurance alone fine?
Yes. We are happy to simply check your current policies.
Contact
Talk to us about cover as your family grows
No visit needed. Just choose three times and our advisor will call you.
Hours 10:00–19:00
