The only constant thing in this world is change. And all throughout your life when your commitments, responsibilities and other obligations change, you need to be sure that you have a reliable life cover policy that can give you guaranteed insurance in times of uncertainty. There are too many things that can happen of which you do not have control. As you age, your needs will also change. Considering the uncertainties that might occur down the road, having a good life cover can surely help you ease your worries and that of your family.
Get Insured for Life
Why Choose Level Life Insurance?
For guaranteed life insurance and protection, you should only get a life cover policy from a highly reputable company. With a proven track record, the insurer of your choice should be considered to be one of the most trusted and established life companies that can provide you exactly the kind of insurance that you need at competitive rates and if it is “Level” it should be affordable today as the result of it will be available in 20 years.
Getting insured for life does not have to be expensive as premiums are payable monthly, quarterly, half-yearly or annually. Level cover insures you for life regardless of age. You will only be excluded from the life cover if the cause of death is suicide within the initial 13 months of the policy- this clause is common for almost every life insurance policy.
What Are the Benefits?
Availing the Level Life Cover is definitely not just an insurance but as well as an investment as it can definitely yield you various benefits in case of fortuitous events. The standard benefits include the following:
Terminal Illness: If your life expectancy is expected to be within 12 months due to a terminal disease, you can apply for advance payment.
Insure Your Future: some of the companies would provide you with insurance policies, where Level Life Cover enables you to increase the sum for every fifth Policy Anniversary without the need for the proof of insurability before 55 years of age. You can have up to 25% increase in your life cover.
Immediate Bereaved Benefit: In case of death, the policy owner may be able to get bereaved benefit which amounts to almost $10,000. This serves as an early and immediate payment which will then be deducted to the paid life cover. This benefit is pretty much standard if your insurer is a reputable insurance company.
Enjoy Flexibility with Greater Benefits of Level life insurance policy
What separates the Level Life Cover from other life cover policies being offered is that you can have a more flexible plan depending on your budget and your needs but at the same time, you can also have greater benefits.
Insurance companies offer different benefits and they can vary for instance policy owners can have different optional benefits like the indexation option where the life cover amount can be indexed or in addition, if in case the insured person is disable and unable to work, the premiums that are due will be waived with the Waiver of Premium Cover.
Testimonials from our existing clients
Vlad is always behind you if you have a problem or insurance claim
Exceptional service and an invaluable help!
Vlad managed to get sorted for me a medical claim for a surgery in Australia
Administrator at Eastern Rentals
Vlad does everything for you from start to finish to achieve top result
Additional Insurance Covers
Level Life Insurance in my opinion should be seen as a foundation of your Life Insurance policy. You may want to add other insurance covers to your plan. To get a lump sum payment when you are no longer be able to work, you can have the standalone or an accelerated total and permanent disability policy. In the event of temporary disability, you can have monthly payments if you will opt for an additional income protection. There are other insurance covers like rural key person, survivor’s income, life care and stand alone/accelerated trauma insurance.