AS Brokers · Life Insurance
Personal Life Insurance
It's Not About Dying. It's About What Happens to Your Income.
Four distinct covers: death, permanent disability, temporary disability, severe illness. Most people have some; very few have all structured correctly.
The four critical components
- Death cover. Provide for dependants, settle debt, cover the cost of dying.
- Permanent disability. Often more financially destructive than death; you consume but no longer contribute.
- Income protection (temporary disability). Who pays your salary if you can't work for 6 or 12 months?
- Severe illness (dread disease). Lump sum for recovery, best care and living expenses during a health crisis.
We structure insurance around your income first, not around products. Life changes; insurance must keep up.
If your cover has not been reviewed in years, you may be paying too much, underinsured, or both. We assess what you have, identify gaps, and show you what properly structured life insurance looks like.