
Each insurance company in Australia have their own means of rewarding and attracting customers, and when applying for life insurance you may want to enquire about these discounts offered such as a multi life insurance policy where you can take out more than one life insurance policy in order to qualify for discounts. For instance if you own a small business, you can buy life cover for your business, your family and yourself. Such insurance options can afford you tax savings and benefits.
When you have more than one insurance policy with the same insurance company, you more often than not will qualify for a multi policy discount. For instance you may already have a household insurance, vehicle insurance, funeral insurance and income protection insurance with the same insurance company, so when taking out a life insurance policy enquire as to whether you can get a discount, this way you can save around 5% on your monthly premiums.
You may also be eligible for a discount on your monthly premiums if you take out a life insurance policy that amount to a large benefit such as over a $1 million. If you embark on a healthy living lifestyle, some insurance companies also offer discounts for health and lifestyle. If you have proof of a healthy screening and a gym membership, you could qualify for discounts of up to 10% on your monthly premiums. You will also be offered a discount rate if you opt to pay your premiums annually as opposed to monthly or fortnightly. In some instances you can save up to 8% plus you will need to make only one payment yearly and you will be covered for the full year.
You can go online and compare insurers at lifeinsurancedirect.com.au and at the same time compare benefits and discounts offered by the various life insurance providers. For example some of the leading Australian insurance companies which are market leader for years and hold millions of policies offers benefits such as grief and counselling support, and you family will be able to benefit from this support. In the event of a death the family will also receive tax and legal advice in order to reduce financial pressure with regards to tax and legal pressure.
In addition some of the insurance companies also offer in home assistance such as cleaning, household duties, childcare and gardening due to critical illness or disability when making a claim on your life insurance. Some incentives include funeral planning should the insured have passed away and give assistance with catering and the after function, choosing a cremation or cemetery service and help choosing a funeral director.
Some Australian insurance companies also offer worldwide coverage in the event of injury or illness taking place anywhere in the world, seven days a week, and 24 hours a day. Children can also be covered for a maximum benefit of $10 000 each for injury or illness. As a loyal insurance customer you could also receive a rewarding loyalty which means your cover will be increased without you having to have to have any further medical examinations. If you pass on some insurers will pay an advanced amount that will cover the funeral expenses and if after the funeral the family can also benefit from receiving a financial planning reimbursement amount for the cost of the advice.
Other additional benefits include access to the best medical treatment worldwide, extensive and comprehensive financial management and a free extra that many of the companies offer on life insurance is children's insurance in the event of a traumatic event, the death of a child and a terminal illness. You can receive a tax free benefit of up to $25 000 for a child's life insurance claim for children aged two to sixteen, and the policy can be converted once the child has reached the age of sixteen.
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