Finance and Wealth > Life insurance
Life insurance
Protect what matters in your life. Have greater peace of mind that your loved ones will have a financial safety net, should the unexpected happen.
Life Insurance cover that suits you
We understand the importance of securing your family’s financial future, which is why our life insurance products are designed with your needs in mind. Life insurance isn’t just about planning for the unexpected; it’s about ensuring peace of mind and providing for your loved ones in your absence. We offer a range of flexible life insurance options that can be tailored to suit the unique needs of individuals and families across Australia, helping you make an informed decision about your coverage.
Life Insurance benefits
Cover that suits you
Receive from $100,000 up to $1 million in life insurance cover – it’s your choice.
Emergency medical access
Access your insurance early if you’re diagnosed with a terminal illness.
You’re covered globally
Rest easy knowing you’re covered all day, everyday no matter where you are.
Flexible coverage
Let us find you the right insurance to match your needs. Increase or decrease to match your needs.
Tax benefits
Life insurance payouts are typically tax-free, offering full financial benefits to your beneficiaries.
Affordable plans
We offer competitive pricing on premiums, making life insurance accessible to more families.
What is Life Insurance?
Life insurance helps protect your family’s financial future and gives them options if you are no longer around. It is a contract between an insurer and a policyholder in which the insurer guarantees payment of a death benefit to named beneficiaries upon the death of the insured. Often, the best time to think about life insurance is when your life circumstances change, like after getting married or if you’re expecting a baby. If you pass away or become terminally ill, a lump sum payment can be used to give your loved ones options with how they manage future expenses like mortgage repayments or debt, or provide for future financial needs such as school fees or living expenses. This essential financial tool helps manage risk and ensures that your loved ones are cared for financially, even when you’re no longer there to do so yourself.
Our Life Insurance Specialists
With over 25 years of experience each, Tim Foster and Paul bring a wealth of knowledge and a personal touch to Financial Planning at APS. Tim launched our Financial Planning department in 2006 and is known for his simple, straightforward strategies that help clients maximise their financial assets. As a Certified Financial Planner (CFP), Life Risk Specialist (LRS) and Advanced Diploma holder, he also has extensive expertise in Government Superannuation funds and is often called upon to share his knowledge at seminars. Paul’s background spans wealth creation, cash flow management, retirement planning, Centrelink strategies, insurance, debt minimisation and superannuation. He has guided clients from all walks of life, from wealth accumulators to retirees, and takes pride in making financial advice clear, practical and supportive. Together, Tim and Paul take the time to listen, understand, and tailor strategies that give you clarity and confidence at every stage of life.

Choose a Life Insurance plan with APS
We are dedicated to providing life insurance solutions that offer protection and peace of mind. Our friendly and experienced advisors are here to help you understand your options and choose the right plan for your family. Our tailored solutions ensure that you find the perfect fit for your lifestyle and budget, providing comfort and assurance when it matters most. Get in touch to explore your options and discover how we can help protect what’s most important to you.
Life Insurance FAQs
How does life insurance work?
When you purchase a policy, you pay premiums to us, and in exchange, we provide a lump sum payment to your beneficiaries upon your death or diagnosis of a terminal illness, ensuring they have financial support during difficult times.
How much life insurance do I need?
The amount of life insurance you need depends on several factors, including your financial obligations, income, lifestyle, and the number of dependents you have. A general guideline is to have coverage that amounts to 5-10 times your annual income.
How much does life insurance cost?
The cost of life insurance varies based on your age, health, the type of insurance, and the amount of coverage you choose. We offer competitive pricing and personalised quotes to ensure you find a plan that fits your budget without compromising on coverage.
Looking for income protection?
If you’re unable to work, income protection can help cover your salary. Learn more
We’re here to help you
Reach us from 9:00am until 5:00pm weekdays