Term Life Insurance
Term insurance is pure protection: a fixed premium for a fixed term, and a death benefit paid to your nominee if you don’t survive the term — built to replace income and settle obligations, not to build savings.
Pure protection, sized to what you owe and who depends on you
There is typically no maturity payout if you survive the term — that’s the trade-off for a lower premium. Term insurance exists to replace income and settle obligations, such as a loan, a dependant’s education, or a household’s running costs, not to build savings.
Premiums and eligible age bands vary by insurer, sum assured, and health profile. Your advisor will confirm exact figures for your situation.
Why term cover matters
Replaces income when it matters most
A lump-sum death benefit goes to your nominee, so a family’s day-to-day running costs don’t depend on one income continuing.
Settles what you owe
Term cover is often sized to a specific obligation, such as an outstanding home loan, so debt doesn’t become a burden left behind.
A lower premium, by design
With no cash or maturity value, term insurance trades that payout for a lower premium — more cover for the same budget.
What term life insurance covers
Lump-Sum Death Benefit
Paid to your nominee if you don’t survive the policy term.
Fixed Premiums
Premiums are fixed for the policy term at the outset.
Renewable & Convertible
Renewable options, and on some plans, convertible options.
Flexible Term Lengths
Choose a term to match a specific obligation, such as a home loan.
Built for anyone whose income supports others
Income Earners with Dependants
Replace the income a family relies on if you’re no longer there to provide it.
Loan Holders
Size cover to an outstanding loan so it doesn’t become a burden on your family.
Parents Planning Ahead
Protect a child’s education and future costs against the unexpected.
Supported from comparison through claims
Our Digital Insurance Journey is how we work every term insurance enquiry, start to finish.
Enquire
Tell us what you need to protect — income, a loan, or a family’s future costs.
Learn & Compare
We explain what actually matters, then compare relevant term plans across insurers — not just the one paying the highest commission.
Apply & Issue
Your advisor handles the paperwork, liaises with the insurer, and checks the policy before you rely on it.
Renewals & Claims
We stay reachable for renewals, and our Claims Support desk assists your nominee through a claim.
Frequently asked questions
Cover that often goes with term life insurance
Looking for the right term cover?
Talk to an advisor about how Term Life Insurance fits your situation — we compare across insurers rather than selling a single product.