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Professional Advice

Death comes to us all in the end, but an unexpected or premature death can be devastating not only emotionally but also financially.

Life Insurance is an insurance policy that pays out either a lump sum or a series of payments to your dependants in the event of your death.

There are many types of life insurance policies on the market, at Allstarutilities we will make sure you will have help choosing the most suitable insurance policy for you.


  • Level Term Insurance is the simplest form of Life Insurance, which pays out a lump sum on death or terminal illness during the term of the policy.
  • The amount of cover remains the same throughout the term of the policy.
  • It could be the right cover to choose if you want to provide financial security for members of your family on your death.
  • It’s also suitable to cover an interest-only mortgage, where the outstanding mortgage loan remains the same for the term of the mortgage.
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In order to make a smart decision regarding the type of policy that’s best for you, you must first understand what a life insurance policy is and what you need it for.

It is here that our team of professionals can be of help.

Please use our contact form for more advice and information.

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Life Insurance


An average appointment lasts between 60 to 90 minutes and you only have to do this once.


Getting the right advice makes things a lot easier, a qualified advisor will help you to choose the protection for you & your loved ones.


There are various types of polices to choose from however the younger you ll do it, the cheaper it will be.

Whole of Life Insurance

  • Whole of Life Insurance lasts throughout your life, unlike term insurance which is for a specified period only.
  • This means that regardless of when you die your dependents would be guaranteed a payout.
  • Whole of Life insurance can be a useful way of ensuring your dependants have enough money to pay for your funeral expenses
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Do I need life insurance?
Do I need life insurance?

Not necessarily. If you have no children or dependents whom you support financially, you might not need a life insurance policy after all. Life insurance aims to provide a solution for those who seek income replacement, mortgage protection, estate planning, leaving a legacy, or burial expenses. However, if someone you love is dependent on you financially, you need life insurance.

How does the insurance company determine my premium?
How does the insurance company determine my premium?

Premium rates are typically based on factors such as age, gender, height, weight, health status (including whether or not you use tobacco), and if you participate in high-risk activities or occupations.

Will I Even Need to Change My Insurance Coverage?
Will I Even Need to Change My Insurance Coverage?

It might be worth considering a new policy if you have any significant changes in your life circumstances, such as if you:

  • Are recently married or divorced
  • Have or adopt a child (or became a grandparent)
  • Have children or grandchildren who are about to enter college
  • Provide care or financial help to a child or elderly parent
  • Receive an inheritance
  • Retire (or your spouse retires)
  • Start a business
  • Change or lose your job or salary
What happens if I miss a premium payment?
What happens if I miss a premium payment?

Most policies have a 31-day grace period wherein you can pay the premium with no penalty or interest. If you have a term policy and do not make the payment within this grace period, the insurance company will usually terminate the policy.

Am I still eligible for coverage if I have a serious health condition?
Am I still eligible for coverage if I have a serious health condition?

In most case scenarios the answer is yes, depending on a selected provider your health condition may be removed from the policy and your monthly premium could go up however you would still be insured against death from any other conditions that.

What Is the Underwriting Process?
What Is the Underwriting Process?

The underwriting process is a method through which carriers assess your risk based on the medical questionnaire answers on the application, and databases search results to conclude whether or not to approve, deny, or rate up a life insurance policy.