Tim and his wife Sue bought their first home which they had been saving hard for, and happily moved in with their two young children.

They decided to look at buying life insurance to cover the mortgage with extra to provide Sue with a regular amount of income while the children were young. Their budget was tight and they weren't sure whether they could afford the $95 per month for the life insurance to cover both of them, but with 2 small children they wanted each other to have certainty and cashflow should something happen.

Then tragedy struck - Tim was killed in a car crash.

Sue could never have Tim back but with his life insurance she had immediate cash available for funeral expenses, was able to repay their mortgage and all outstanding debts. Most importantly the family received cash which they were able to use as a regular income, and Sue was able to continue to support her children.

Frank and Janice had a fabulous lifestyle, great home, bach and rental property. Life was great and plans for retirement were well under way. They were both busy people and arranged their insurance cover online to ensure that if the worst happened they would be able to repay all debt on their properties.

Barely a year later Janice received terrible news that she had been diagnosed with terminal cancer and had less than 12 months to live.

Thanks to her life insurance policies a terminal illness benefit was paid straight away resulting in an early payment of the life benefit, which they used to clear the debt. Frank and Janice were able to enjoy the short time they had left together.