Life Insurance

Secure your family’s future with flexible life insurance cover tailored to you

What Is Life Insurance?

Life Insurance provides a lump sum payment to your nominated beneficiaries (usually your spouse, children, or estate) if you pass away or are diagnosed with a terminal illness. In Australia, life insurance can be held through your superannuation or as a standalone policy. It’s designed to provide financial protection when it’s needed most, covering mortgages, education expenses, living costs, or simply allowing time and space to process loss.

It’s not just about money - it’s about giving your family choice, stability, and dignity in the midst of heartbreak.

Common Myths About Life Insurance

Where others focus on the loan alone, we look at the bigger picture: your income, investments, superannuation, tax position, and estate planning. This allows us to create strategies that don’t just meet your immediate needs but also work towards your bigger goals - whether that’s building wealth, preparing for retirement, or leaving a legacy for your family.

Common Myths About Life Insurance

Many Australians put off getting life insurance due to common misconceptions.

Let’s clear some of them up:

“I’m young and healthy - I don’t need life insurance.”
Tragedy doesn’t discriminate by age or health. In fact, securing insurance while you’re young and healthy is usually cheaper and easier.

“I already have life insurance in my super.”
While many super funds include some default cover, it’s often insufficient for most families. It may not reflect your actual financial needs, and coverage could be cancelled without notice (e.g., if your super account becomes inactive).

“It’s too expensive.”
Life insurance can be surprisingly affordable, especially when customised to your needs. It’s often less than what many of us spend on takeaway coffees or streaming subscriptions.

“The claims process is too hard. Insurers won’t pay.”
Australian insurers pay out over 90% of death claims. When policies are appropriately structured and maintained with professional guidance, claims are not only likely, but smoother and faster.

We Build the Right Foundation

During our discovery and fact-finding process, we take the time to understand your values, debts, income, dependents, and future aspirations. This helps us recommend the right type and amount of cover - not too much, not too little.

We Handle the Complexity

From policy setup to reviews, we manage the details - so you can focus on what matters. We work with trusted insurers and maintain accurate documentation, ensuring that when the time comes, the claim process is as straightforward as possible.

How Focused Advisers Support You Through the Claim Process

At Focused Advisers, our commitment to clients doesn’t stop when the paperwork is signed. We walk with families through every stage - from structuring a policy to assisting with a claim in the event of a premature death.

We Support Your Family When It Matters Most

If tragedy strikes, we act as your advocate. We help your loved ones lodge the claim, gather the required documents, and liaise with the insurer on your behalf. We make sure payments are processed promptly and compassionately.

We’ve walked side-by-side with grieving spouses and overwhelmed children. We don’t rush. We listen. We care.

Real Clients. Real Peace of Mind.

We recently supported a client who had tragically lost their partner to cancer. The couple had taken out insurance just two years prior after their third child was born. When the unthinkable happened, our team stepped in.

We assisted in gathering the medical reports, notified the insurer, and guided the family through the claim process. The lump sum paid within a few weeks covered the mortgage, allowed the grieving parent to take extended leave from work, and provided a nest egg for their children's future.

How to Get Started

We understand that talking about death and insurance can feel overwhelming or confronting. That’s why we approach every conversation with empathy, clarity, and respect.

No one wants to imagine a world without them. But planning for that possibility is an act of love, responsibility, and compassion.

At Focused Advisers, we’re not just ticking boxes - we’re helping families face the future with confidence and care. When the worst happens, we ensure your loved ones are supported, secure, and seen.

Let’s talk - A relaxed, obligation-free chat with one of our advisers to understand your needs and explore whether we’re the right fit.

Explore your Life Insurance Options

Book a free intro call with one of our experienced financial advisers or download our brochure and discover how Life Insurance can give you peace of mind, no matter what life throws your way.

Book Your Introductory Call Life Insurance Brochure