Life Insurance
Life insurance is about more than just a policy - it’s about peace of mind, knowing your loved ones are protected no matter what. At Calm and Covered, we make it simple to understand your options and find a plan that works for you.
What is Life Insurance?
Life insurance is a safety net for your family. It provides a financial payout if you were no longer around to support them, helping to cover costs like:
Mortgage payments
Everyday expenses
Childcare or education fees
Any outstanding debts
It’s not just about planning for the worst; it’s about securing the best possible future for the ones you love.
Why Do I Need Life Insurance?
Life can be unpredictable, but your family’s security doesn’t have to be. Life insurance helps:
Protect your family’s lifestyle: Ensure they can maintain their standard of living.
Plan for the unexpected: Give them financial stability in tough times.
Cover big expenses: Like mortgages, loans, or education costs.
Whether you’re starting a family or thinking about the future, life insurance gives you confidence that they’ll always be looked after.
How Does It Work?
Choose your coverage: Decide how much your family would need.
Set your term: Pick the length of time you want your policy to cover.
Pay your premiums: A regular payment to keep your policy active.
Rest easy: Your family will receive a lump sum if the unexpected happens.
It’s a straightforward process, and we’re here to guide you through every step.
Types of Life Insurance
We work with trusted providers to find the right type of policy for you:
Term Life Insurance: Cover for a set period, ideal for family planning.
Decreasing Term Insurance: Designed for mortgages or loans that reduce over time.
Index Linked: Designed to take inflation into account, with premiums and cover increase every year.
Whole of Life Insurance: Lifetime cover for ultimate peace of mind.
Each option has its benefits, and we’ll help you choose what fits your needs.
What Does It Cover?
Death During the Policy Term
If you pass away during the policy term, your family will receive a tax-free lump sum pay-out.
Terminal Illness
Most life insurance policies include a terminal illness benefit. If you are diagnosed with a terminal illness and are expected to live less than 12 months, you can claim the payout early to ease financial pressures.
Exclusions
Life insurance typically does not cover:
Suicide within the first 12 months of the policy start date
Death resulting from risky activities not disclosed during the application process
Death due to non-disclosed pre-existing medical conditions
Life insurance provides peace of mind knowing your family is financially protected. Speak to one of our friendly advisors today to explore the best options for your needs.
Great reasons to choose us
Simple, straightforward advice
No jargon, just clear guidance.
Wide range of providers
Tailored options to suit your budget and lifestyle.
Support every step
We’re here to make it quick, easy, and stress-free.
Get Started Today
Protect your family’s future with a life insurance policy you can trust.
Use our “Free Quote” form, and one of our friendly advisors will be in touch to help you explore your options.
Frequently Asked Questions
How much life insurance do I need?
It depends on your family’s needs, like covering debts, maintaining their lifestyle, or future education costs. We can help you calculate the right amount.
What happens if I miss a payment?
Protection may stop if payments are missed, but should that happen we’ll work with you and the provider to explore solutions.
Can I adjust my policy later?
Yes! Life changes, and your policy can too. Many providers allow flexibility as your needs evolve.
