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Myth busting life insurance

Some of the strange things some people believe, about Life Insurance.

Most people wouldn't decide to insure half the value of their new car, so why do many Australians only have half the life insurance cover they need?

There are a number of reasons - people think they already have enough, they believe they don't need insurance or they think that it's too expensive. But many of these reasons are more myth than reality.

Let's face the facts and debunk some myths.

The real issue is not that you can't afford it - the issue is that you don't think it can happen to you

Myth 1 - I have enough insurance inside my super

Unlikely. Remember the minimum level of cover provided via your super fund is automatically set with all members in mind so it's unlikely to be exactly the level of cover you and your family really need. More likely than not, it wouldn't cover all or even most of your debts.
Make sure you contact your super fund to find out your level of cover and then speak with us for a comparison.

Ironically, most Australians insure their homes and cars (even their smartphones) but less than a third insure their most valuable asset - their ability to actually earn an income. This causes unnecessary hardship for numerous Australians and often financial disaster to unsuspecting families.

If you have used one of these crazy excuses to avoid getting your Life Insurance or Income Protection sorted, just give us a call and ask for a quote to start the conversation.

author pic drew browneDrew Browne is a specialty Financial Risk Advisor working with Small Business Owners & their Families, Dual Income Professional Couples, and diverse families. He's an award-winning writer, speaker, financial adviser and business strategy mentor. His business Sapience Financial Group is committed to using business solutions for good in the community. In 2015 he was certified as a B Corp., and in 2017 was recognised in the inaugural Australian National Businesses of Tomorrow Awards. Today he advises Small Business Owners and their families, on how to protect themselves, from their businesses.  He writes for successful Small Business Owners and Industry publications. You can read his Modern Small Business Leadership Blog here. You can connect with him on LinkedIn Any information provided is general advice only and we have not considered your personal circumstances. Before making any decision on the basis of this advice you should consider if the advice is appropriate for you based on your particular circumstance.

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