types of personal insurance
Life insurance advice
Life insurance isn’t about expecting the worst … It’s about protecting the people who depend on you.
At Cole Murray Financial Advisers, we provide clear, personalised life insurance advice to help families and business owners protect their income, assets, and future plans.
Whether you’re buying your first home, growing your family, running a business, or reviewing existing cover, we help you understand what you need, and just as importantly, what you don’t.
Why life insurance matters
If something unexpected were to happen, would your family be able to:
- Pay off the mortgage?
- Cover daily living expenses?
- Maintain children’s education plans?
- Clear personal or business debt?
- Stay in the family home?
Life insurance provides a lump sum payment to your nominated beneficiaries if you pass away or are diagnosed with a terminal illness (depending on policy terms).
It creates financial certainty during an emotionally difficult time.
How much life insurance do you need?
The right amount depends on:
- Your mortgage
- Any other debts
- Household expenses
- Income levels
- Number and age of dependants
- Business obligations (if self-employed)
We calculate realistic cover levels based on your actual financial exposure, not generic rules of thumb.
Useful articles about personal insurance
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Ready to protect what matters most?
We assess your financial position, family situation, debt, and future goals before recommending cover.
Insurance language can be confusing. We translate policy terms into plain English so you understand exactly what you’re signing.
Life changes and so should your cover. We recommend periodic reviews to ensure protection keeps pace with your circumstances.
Contact Cole Murray Financial Advisers today for a personalised life insurance review and advice consultation.