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Life Insurance

Life Insurance lifestage guide

Look at ways to protect yourself depending on your circumstances

Life insurance for each stage of life

Knowing what type of insurance you need can be tough. To help, we’ve created a lifestage guide that highlights some of the risks you may need to consider, depending on your circumstances.

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Hassan, 24, is a qualified electrician. He works full-time and pays rent in the city. He’s young, active and healthy, and sometimes feels bullet-proof. But because his work can be dangerous, he knows that there’s always a chance of getting hurt. Hassan took out an AAMI Income Protection policy, to help protect his active lifestyle and pay the bills in case he was injured and couldn’t get back to work for a while.


Cam, 29, and Percy, 30, just bought their dream home in the country. They both work full time  and like to spend their weekends visiting farmers markets and buying fresh produce. They both took out an AAMI Income Protection and and AAMI Life Insurance Policy policy to help cover the cost of their mortgage and other bills if one of them got sick, was injured and unable to work, or died unexpectedly.


Dina, 35, and Pete, 34, rent an inner-city apartment and are both flat-out working and looking after two young children. Pete’s a contractor and recently broke his foot. When he was off work, they found it tough managing on only one income. Once Pete recovered, they decided to get AAMI Income Protection Insurance to help if one of them couldn’t work due to an injury and AAMI Life Insurance to help out financially if one of them was no longer around.


Gale, 59, runs a successful business, but she’s looking at her options to sell the business and transition to part-time employment. She’s after a better work-life balance. Now that she’s downsizing, she’s concerned that if she couldn’t work because of sickness or injury, it’d impact her lifestyle and stall her plans. Gale chose AAMI Income Protection so that she wouldn’t have to empty her savings or potentially increase her debt if she couldn’t work for a while.


Deb, 52, and Walt, 51, have three adult kids who’ve all moved out of home (finally!). They both work close to home and love their new-found freedom. While Deb and Walt own their home, they help pay for Walt’s mum’s care. Deb and Walt each took out an AAMI Income Protection and AAMI Life insurance policy so they can continue to help out and stay on top of things if either of them was sick, injured or died unexpectedly.

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AAMI Life Insurance and AAMI Income Protection are issued by Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) other than the Redundancy Benefit which is issued by AAI Limited ABN 48 005 297 807, AFSL 230859 (AAI) trading as AAMI which is part of the Suncorp Group. Asteron is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). Asteron is authorised to use the AAMI brand. Suncorp Group is distributor of life insurance provided by TAL. The different entities of TAL and Suncorp are not responsible for, or liable in respect of, products and services provided by the other. AAI trading as AAMI does not provide any financial product advice in relation to AAMI Life Insurance and AAMI Income Protection (except in relation to the Redundancy Benefit) (Life Products). Any advice on this page in connection with the Life Products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017, AFSL 243260 (TAL Direct).

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