{"id":3723,"date":"2021-03-25T23:26:41","date_gmt":"2021-03-25T23:26:41","guid":{"rendered":"https:\/\/singlespeedgoldcoast.com\/?p=3723"},"modified":"2021-03-25T23:27:28","modified_gmt":"2021-03-25T23:27:28","slug":"an-adventurous-lifestyle-needs-an-effective-life-insurance-policy","status":"publish","type":"post","link":"https:\/\/singlespeedgoldcoast.com\/2021\/03\/25\/an-adventurous-lifestyle-needs-an-effective-life-insurance-policy\/","title":{"rendered":"An Adventurous Lifestyle Needs An Effective Life Insurance Policy"},"content":{"rendered":"\t\t
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Life insurance is widely considered one of the most important purchases that you will make. As you journey through life, you will have more people depending on you, potentially a spouse or partner, kids and maybe extended family. As you grow your family, the need for a financial back-up plan becomes more important, mainly to answer the question of; What will happen to them if something happens to you?<\/span><\/span><\/p>

At the risk of sounding like a wet blanket on your lifestyle choices and activities, the reality is, living an adventurous and active lifestyle can often put you in situations where you could potentially suffer life-long injuries. If these injuries affect your potential ability to earn income or even death, then your family is left to pick up the slack. Chances are, you have a higher than normal risk-tolerance, so maybe you\u2019ve heard about life insurance and shrugged your shoulders and said \u201cYOLO\u201d (if people even still say \u2018yolo\u2019). But given the cost of life insurance these days, perhaps it\u2019s something you should reconsider for your loved ones.<\/span><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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We\u2019ve put together 9 Tips When Looking for the Right Life Insurance Policy:<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Buying life insurance should be taken seriously. It is not something that you can easily buy again because you got the wrong fit and colour. However, choosing the right life insurance that fits your needs can be overwhelming. With so many options in the market and different policies out there, understanding the intricacies of life insurance can be difficult. We recommend this decision not be taken lightly and considered in consultation with a licensed financial adviser.\u00a0<\/span><\/span><\/p>

There are also some great websites these days that allow you to <\/span><\/span>compare life insurance quotes online<\/span><\/a> to pick the best policy for you.<\/span><\/span><\/p>

Here are some tips that can help:<\/span><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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1. Consider buying life insurance while you are young.<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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When you\u2019re young, taking out a life insurance policy may be the last thing in mind. You\u2019d rather spend your wage on travel, the latest gadgets, and clothes. However, putting off buying life insurance may cost you later in life.<\/span><\/span><\/p>

Buying life insurance in your twenties to forties is cheaper than buying it later when you are older and at more risk of illnesses.<\/span><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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2. Go for \u2018level premiums\u2019 rather than \u2018stepped premiums\u2019 for long-term life cover.<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Stepped premiums give you lower premiums at the start, but your premium grows as you age. If the coverage is for the long term, you will be paying much higher premiums by the end of your term.<\/span><\/span><\/p>

With level premiums, the policy price stays the same until the end of your term.\u00a0<\/span><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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3. Do not skimp on income protection.<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Income protection insurance can help you and your loved ones with financial difficulties that pop up from unforeseen injuries or circumstances. How will you cover your daily expenses if you are unable to work? Or get a major injury?<\/span><\/span><\/p>

An income protection cover can give you up to 75% of your monthly income when you are unable to work due to an injury or a serious illness. <\/span><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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4.\tChoose Comprehensive cover.<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Comprehensive life insurance can give you cover for more risks that may affect your income-generating ability. <\/span><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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5. Update your lifestyle.<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Your lifestyle can affect the cost of your premiums. The healthier your lifestyle is, the lower your premiums. If you are a smoker and like to get on the drink more than the average Joe, your life insurance premiums will be more expensive than those who don\u2019t.<\/span><\/span> A healthier weight and BMI will equate to lower premiums. <\/span><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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6. Go through your insurance policy regularly.<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Your needs change. Your lifestyle changes. The insurance policy that you bought years ago may essentially go out of date like the milk in your fridge. If you have any major changes in life, review your policy online or with a financial adviser to see if you could potentially be paying less or to ensure you\u2019re fully covered.<\/span><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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7. Go for annual premiums.<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Paying for your premiums yearly can save you as much as 8%, compared to paying it quarterly or monthly.<\/span><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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8. No Pinocchio Policies<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Don\u2019t lie to save a few bucks on your premiums during the application process. It\u2019ll come back to bite you and you risk having your policy being voided in the future or at worst, when you really need to make a claim.<\/span><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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9. Consider going through a financial adviser.<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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A financial adviser can help you make the right decision for your situation, lifestyle and future family growth. They will get an ongoing commission from your policy, but that comes from the insurer, not your policy. The other advantage is, they can help you should you need to make a claim on your policy. They are typically experts in this space. <\/span><\/span><\/p>

We\u2019ve found a great site that can help you compare life insurance, health insurance, home loans and more: www.MakesCents.com.au<\/a> <\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Life insurance is widely considered one of the most important purchases that you will make. As you journey through life, you will have more people depending on you, potentially a spouse or partner, kids and maybe extended family. As you grow your family, the need for a financial back-up plan becomes more important, mainly to […]<\/p>\n","protected":false},"author":3,"featured_media":3725,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[44],"tags":[],"yoast_head":"\nAn Adventurous Lifestyle Needs An Effective Life Insurance Policy - SSGC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/singlespeedgoldcoast.com\/2021\/03\/25\/an-adventurous-lifestyle-needs-an-effective-life-insurance-policy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"An Adventurous Lifestyle Needs An Effective Life Insurance Policy - SSGC\" \/>\n<meta property=\"og:description\" content=\"Life insurance is widely considered one of the most important purchases that you will make. 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