Life can be full of uncertainties

Bad things happen to people. It's simply a fact of life. And one way to protect yourself financially - and provide added security for your dependants - is to make sure you've considered life insurance.

Did you know that in 2002 an estimated 30,000 Australians sustained injuries requiring hospital treatment as a result of motor vehicle accidents? *More than 60% of Australians will be disabled for more than one month during their working life and more than 25% will be disabled for more than three months. # And 24% of new breast cancer cases diagnosed in 2001 were women aged between 20 - 49.**

It's important to protect your family's financial security in the event that the unthinkable were to happen.

Make a plan

Make sure you know that you and your family can cope if you, or your partner, were to pass away unexpectedly or if either of you had to take time off work to recover from a serious illness or injury. If you can make sure the bills will still be paid, then that's one less thing to worry about.

Protect yourself as well

Life insurance is not just about making sure your dependants are cared for. It could make all the difference to you too and could allow you the opportunity to try a more expensive medical treatment, or to pay for a carer to look after you whilst you recover from a serious illness, allowing your partner to continue to work.

You're (almost) never too young to start

It's important to consider life insurance regardless of your age. You should also be aware that generally premiums increase the older you become, so taking out a policy at an earlier age may be cost effective.

So what are you waiting for? Get organised and then get out there and enjoy living your life.

* Land Transport Safety Authority 2002

# Australian Disability Table IAD89-93 Institute of Actuaries of Australia

** National Breast Cancer Centre

The information in this article is about life insurance and related products generally and not a specific product.

Important note:

The information contained on this website is general information only. It does not take into account your individual objectives or financial situation. You should therefore consider the appropriateness of the insurance having regard to your objectives, financial situation and needs. Prior to making any decision you should read the Product Disclosure Statement (PDS). If you require assistance to determine if an insurance product suits your objectives, financial situation and needs then you should seek advice from your financial adviser.

1Cover Pty Ltd ABN 91 105 954 265 is an authorised representative of Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFSL 296559 (Allianz Life). Life Insurance is issued by Allianz Life. 1Cover Pty Ltd act as an agent of Allianz Life not as your agent. Any advice here does not take into consideration your objectives, financial situation or needs, which you should consider before acting on our recommendations. You should read and consider the Product Disclosure Statement before deciding whether to acquire any product mentioned here. Available at www.1Cover.com.au 1Cover Pty Ltd receives commission on these products that is a percentage of the premium paid for each policy ranging from 10% to 20%.