Trusted Financial Advice
Life Insurance
Life is full of uncertainty, and while we can't predict tomorrow, we can prepare for it. At TFA Trusted Financial Advice, we believe that life insurance is more than just a policy—it’s peace of mind for you and a safety net for the people you care about most. Whether it’s making sure your loved ones can keep the family home, replacing lost income, or covering daily expenses, life insurance is an essential step in building a financial foundation.
What is life insurance & Why do you need it?
Life insurance provides a lump sum payment to your family or dependents in the event of your death. This payment can ensure your loved ones are financially protected and supported at a time when they need it most. Whether you’re single, married, have children, or support relatives, life insurance helps cover costs like:
• Mortgage repayments
• Day-to-day living expenses
• Future education costs for your children
• Funeral expenses
But here’s the truth: many of us underestimate the risks we face or make emotional decisions about money, thinking, “It could never happen to me.” This optimism bias—where we believe negative events are less likely to affect us—can leave families vulnerable when life takes an unexpected turn.
At TFA, we use tools like our Risk Reality Calculator to help you break through this “it won’t happen to me” mindset. In just minutes, you can uncover hard facts about the likelihood of death, critical illness, or incapacity during your working life. Once you see the numbers, you’ll realise why life insurance is a step you can’t afford to put off.
What's the right time to get Life Insurance?
The significant changes in life can give you a good chance to think about how you can protect your loved ones from the unexpected. Such as:
Different Types of Life Insurance
Choosing the right life insurance policy isn’t a one-size-fits-all decision—it’s personal. That’s why TFA offers expert guidance to help you understand the options and pick what works best for you.
Here are the main types of life insurance:
Term Life Insurance
Cover for a set period—such as 10, 20, or 30 years. If you pass away during the term, your beneficiaries receive the lump sum. This is ideal for those looking to cover specific financial commitments, like a mortgage.
Whole-of-Life Insurance
This policy covers you for your entire life, guaranteeing a payout no matter when you pass away. It’s often seen as part of broader estate planning to protect against inheritance tax.
Decreasing Term Insurance
Perfect for repaying a mortgage, this type of policy reduces in value over time as your debt decreases. It’s one of the most cost-effective ways to ensure your loved ones can keep their home.
Critical Illness
While not technically life insurance, this add-on can provide a lump sum if you’re diagnosed with a major illness. It’s a powerful complement to your life insurance and can give you financial breathing room during a challenging time.
Why TFA Trusted Financial Advice?
We understand that decisions about life insurance can feel overwhelming. With so many options and unfamiliar terms, it’s tempting to delay the process. That’s where TFA comes in. Our independent advisers specialise in simplifying the complex and helping you make informed choices, free from jargon.
We know that making financial decisions isn’t only about the numbers—it’s about emotions, too. Life insurance forces us to confront uncomfortable “what if” questions, but with a little planning today, you can create certainty in an uncertain future. Let us guide you through the process and find the solution that feels right for you and your family.
Take the first step today
Every journey starts with a single step. Here’s how you can get started:
1. Use Our Risk Reality Calculator
Don’t leave your family’s future to chance. See the real-life risks of not having enough protection—and start your plan today.
2. Speak With a Financial Adviser
Our advisers are here to provide expert, no-obligation guidance. Whether you have questions about premiums, policy types, or your family’s needs, we’ll ensure your plan is tailored to you.
3. Plan with Confidence
Life insurance isn’t an expense; it’s an investment in your family’s security. Let us walk you through the process so you can move forward feeling confident, protected, and supported.
Ready to Protect the Ones You Love?
It’s time to take action. Start by using our Risk Reality Calculator to understand your risks—and then schedule a call with one of our expert advisers who can guide you step by step. At TFA Trusted Financial Advice, we’re here to make life insurance simple, affordable, and tailored to your needs.
Don’t wait until it’s too late—secure your family’s future today. [Get Started Now]
