What is life insurance?
Life insurance gives you and your family financial support and peace of mind when life takes an unexpected turn. If illness, injury or loss affects your ability to earn or be there for your family, it helps ease the financial pressure and protects the people you care about most.
Explore life insurance options
From big milestones to everyday moments, your needs evolve, and your cover can too. Compare and choose flexible options to protect your family and your future.
Total and Permanent Disability Insurance
Gives you options to help you live a better quality of life if you can’t work again.
Life Insurance
Protects your family’s financial future and gives them options if you’re no longer around.
Income Protection
Provides you with a partial income to help you continue living your life if you have an illness or injury and can’t work.
Critical Illness Insurance
Means you have choices so you can still make the most of life if you have a serious illness.
Carwardine & Associates Pty Ltd will receive a commission for any policy.
We’ve partnered with TAL
One of Australia’s leading life insurers, to help you protect your life and loved ones.
With over 150 years behind them, TAL understands that everyone’s life looks a little different. That’s why their insurance options are flexible, practical and built to move with you as life changes.
With TAL, you can:
Get an online quote in under 5 minutes
Choose features and benefits that fit your needs and budget
Adjust, update or tailor your cover as life evolves
Feel confident knowing you’ll be supported if you need to make a claim
Carwardine & Associates Pty Ltd will receive a commission for any policy.
Why life insurance?
Life insurance can help provide financial support if the unexpected happens, giving you confidence that the people and lifestyle you care about are protected.
Designed to support life’s disruptions
Whether caused by illness, injury or loss, life insurance can help reduce financial pressure in the tough moments.
Flexible cover, not a fixed decision
Your insurance can be adjusted as your circumstances change – so your cover continues to reflect your life, needs and budget.
Simple to get started
Exploring your options is straightforward – get an online quote in under 5 minutes by entering some basic details.
Carwardine & Associates Pty Ltd will receive a commission for any policy.
Why TAL Life Insurance?
Life is often unpredictable, and life insurance is one way to make sure yourself and your loves ones are looked after.
Tailored features
With TAL Life Insurance, you can add, remove and customise your policy benefits and features to suit your needs and budget.
Quick online quote
Getting a quote is simple, easy and takes under 5 minutes. Enter your age, date of birth, gender, occupation, income and smoking status. Then select your desired cover type and amount of cover.
150 years’ experience
With millions of customers putting their trust in TAL, they are experts in protecting what matters most.
Carwardine & Associates Pty Ltd will receive a commission for any policy.
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Benefits of life insurance for couples
Whether you’re married or de facto, newlyweds or considering starting a family, life insurance products offer protection and financial security when life takes an unexpected turn.
Financial security
You’ve started to build a life together, with your finances now coming together. Life insurance helps to safeguard the future you’re creating, offering protection if the unexpected happens.
Peace of mind
It’s comforting to know that as you work together to make your dreams and goals a reality, you have protection and financial security if illness or accidents get in the way.
Support during life’s big moments
If you’re making big decisions like buying a house or starting a family, taking out cover as a couple can help keep you both protected.
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Benefits of life insurance for families
No matter where you are on your family journey, starting out, adding to it or juggling existing dynamics, life insurance can help you be able to provide for them if life takes unexpected turns.
Financial security
With more than yourself to consider, life insurance can support you when you’re ill or injured and unable to work. It can support in keeping up with the costs of raising a family.
Peace of mind
As a parent, it’s natural to want to protect your family’s future. Life insurance can offer reassurance that your loved ones are covered if you pass away or a diagnosed with a terminal illness.
Protection and flexibility
Get cover for you and your partner, to keep the home front protected if the unexpected happens. Your policy may be able to be updated at key life stages, to grow as your family needs change.
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Benefits of life insurance for young singles
Being young and independent is an exciting time, with the ability to dream big, discover opportunities and take leaps in your career. Life insurance may not be top of mind but it can help safeguard the future you’re planning.
Financial wellbeing
Being able to support yourself through having a steady income and paying bills in the first step into adulthood. Life insurance can give you the confidence to maintain your independence if the unexpected happens.
Take care of debts
Perhaps you’ve bought your first home or have student debt. Life insurance can help settle your debts if you’re unable to work due to sickness or illness (waiting periods can apply).
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Benefits of life insurance for empty nester
Whether your kids have grown and left home or you’re trying to build up your retirement savings and supporting aging parents, life insurance can help you stay financially independent as you reach your next stage of life.
Safeguard your retirement
If you’re working hard to pay down a mortgage or strengthen your retirement savings, life insurance can offer important financial protection should an accident or illness impact your plans.
Protect against illness
The older we get, the more health issues become a top priority. Critical illness and total and permanent disability insurance can help you cover the costs of medical treatment and rehabilitation, enabling you to focus on recovery.
Support your partner
Life insurance provides financial support should the worst happen. It can support your spouse and loved ones, helping to pay down the mortgage, settle outstanding debts and help them with ongoing living expenses.
Disclaimer
This website may contain general advice. It does not take account of your objectives, financial situation or needs. You should consider whether the information is appropriate for you, having regard to your objectives, financial situation and needs before you act on the information. Persons deciding whether to acquire or continue to hold life insurance issued by TAL should consider the relevant Product Disclosure Statement (PDS). The Target Market Determination (TMD) for the product (where applicable) is also available.
By proceeding with a TAL policy, Carwardine & Associates Pty Ltd will receive copies of your policy documentation (which will also be sent to you), unless you tell TAL otherwise. Carwardine & Associates Pty Ltd will receive commission for any policy sale.
This website is the website of Carwardine & Associates Pty Ltd and its related entities. The information contained on this website does not constitute financial product advice, is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice. Financial Services provided by Carwardine Financial Services ABN 23 126 007 065, Australian Financial Services License No. 323462.
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