Life Insurance

We are independent financial advisors so we source the best quotes for your specific needs. Greg Palmer is a certified Financial Planning Professional so you are guaranteed to get the best product and advice.

When taking out life insurance a few things must be considered:

• Premium escalation – Age Rated premium patterns are cheap in the beginning but escalate dramatically in later years in life – Often oversold as broker commission is higher and starting premium is low
• Policy Exclusions – Does your insurer underwrite you at claims stage or point of sale stage, Does your policy aggregate income? SCIDEP payout table for Dread Disease
• Flexibility – Ability to change cover as your life changes
• Whole of life cover vs Term Cover