• Britannia
  • Financial protection for families
  • Financial protection for wage & salary earners

Insurance through the decades – here’s what you need

Throughout our lives, we go through a number of changes. And along the way, our Insurance needs change too. So here’s a guide to the most common Insurance types at every life stage.


You’re young – why would you need insurance? The reality is, there may be quite a few reasons.

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Have enough Life Insurance to cover your mortgage?

Have enough Life Insurance to cover your mortgage?

Do you have a mortgage? Along with Income Protection and Trauma Cover, Life Insurance is one of the types of covers that are best suited to a homeowner’s needs. But how can you make sure that you have the right level of coverage? Here are some tips to get you started.

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Income Protection or Trauma Insurance: which is right for you?

At first glance, Income Protection and Trauma Insurance may look very similar. After all, both are designed to protect you financially if you’re sick or injured. But if you get past that first impression, you will realise that they provide very different types of cover.

So, which works best for you? To answer this question, let’s dig deeper into the differences.

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Life Insurance: how much is too much… or not enough?

As you’ll know, Life Insurance is designed to pay a lump sum on the death of the insured person.
The purpose, of course, is to allow your loved ones to maintain their lifestyle once you’re no longer there to support them. So how much would your family need? Here are some key tips to get you started. [Read more…]

Three reasons why Life Insurance may be for you

Choosing the right type of Life Insurance can be complicated and sometimes confusing, but as with many things in life, considering the unexpected is important. Remember, your Life Insurance is not about you, it’s about the loved ones you leave behind.

Here are three ways this type of cover can take care of them should the worst happen. [Read more…]

Stepped or Level Premiums? What works for you?

Life insurance – it’s an important choice. It’s the kind of financial decision that requires a fair bit of thinking about what you need today, and what you might need in the future. One of the key components in the life insurance decision is short and long-term affordability. Which brings us to our topic: Stepped and Level premiums – what’s right for you?

Stepped vs Level – what’s the difference?
The main difference is pretty straight-forward. Stepped premiums (“rate-for-age”) are age-related and increase as you get older, but are usually cheaper than Level premium insurance in the short-term. [Read more…]

Don’t set and forget – squeeze your insurance for all it’s worth

Making your insurance work for you isn’t just about signing on the dotted line. It can be all too easy to ‘set-and-forget’ your insurance unless something happens and you need to claim. But if there is one thing you take out of this quick read, let it be this: make your insurances part of a regular ‘financial health check’.   [Read more…]