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I think it is of the utmost importance that I place this on my ‘to do list’. Everyone should have a life insurance policy. Australia is a country of opportunity, where a hard working and ambitious person, with all their unique skills and abilities, can earn a good living. I want to be the good girl scout and ‘be prepared!’ for any crisis. Unfortunately ‘a fly in the ointment’ crops up in the most unexpected and inconvenient times! This is where Life insurance Australia will save the day as well as the family members left behind! Obtaining life insurance Australia is so easy on-line by answering a questionnaire which can be done in a short space of time. There are the usual questions pertaining to one’s whole pedigree! The usual details such as name, address, details pertaining to your health, especially if you are a smoker which will seriously affect the cost of your premium. Next your occupation will be questioned. An active manual worker will be considered a higher risk than an office worker for example. Next you need to consider should you have any extra mural activities; which might seem mundane to you but an insurance company would consider hazardous sport, for example rock climbing, paragliding, underwater diving, hang gliding, game hunting, mountaineering. All which seem mundane to you the adrenaline junkie, but it could amount to a heavy insurance premium! When viewing the insurance web pages, the designs seem very family orientated – there are photographs of children happily playing in the grass. This makes me very aware of what would happen should I die, and where would my family be then? What would their financial situation or security be? What would happen to them? The marvellous feature of these websites is that nothing is hidden. Everything is upfront – meaning you can require and enquire from different insurance companies for a number of quotes where you can compare notes. What would suit you better? What is going to be better for your family even though the cost of the premium might be slightly higher? There are various options to consider with the life insurance policy. You can ensure your family will receive a lump sum on the event of your death or there can be a waiting period. That wouldn’t suit the family as they will already be bereaved and bewildered. Why procrastinate? Surely your family’s welfare and security is of the utmost importance to you? Is your life insurance Australia in place? You have to ask yourself, If not – why not?
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