Get a reasonable package of insurance cover for my budget and circumstances Get the ideal / best cover possible for my circumstances Review all my current cover and amounts Save money on my current premiums Consider adding to my insurance cover Look at whether I need any of this insurance Take care of my family if I cannot work Clear all my debts if I die Look after my children in any event Ensure my family keep their home if I cannot work due to sickness, illness, or death/ to have level cover

The Life Cycle provides an indication of the types of things that may be affecting you now or in the future. In the space provided below, record a summary of your situation. Some things to consider including, but not limited to the following: Type of family (i.e. couple, with or without children, single with or without children, blended), Family obligations (i.e. care for elderly relative or other extended family members, child maintenance payments and responsibilities), what stage of life you are currently in (starting your career, getting married, starting a family, saving for the future, purchasing your first home, paying down your home loan, thinking about retirement, retired). The Life Cycle provides an indication of the types of things that may be affecting you now or in the future. In the space provided below, record a summary of your situation. Some things to consider including, but not limited to the following: Type of family (i.e. couple, with or without children, single with or without children, blended), Family obligations (i.e. care for elderly relative or other extended family members, child maintenance payments and responsibilities), what stage of life you are currently in (starting your career, getting married, starting a family, saving for the future, purchasing your first home, paying down your home loan, thinking about retirement, retired). Saving will be enough to cover the living expenses for more than 2 mths; Change in occupation ; Starting full time. work; Currently saving to pay off the mortgage:; They aiming to save atleast $50k + per year to purchase new family home; Not worried about Accommodation, Power, Gas, Heating, Food, Education, Medical etc; Saving will be enough to cover the living expenses for more than 2 mths; Change in occupation ; Starting full time. work; Currently saving to pay off the mortgage:; They aiming to save atleast $50k + per year to purchase new family home; Not worried about Accommodation, Power, Gas, Heating, Food, Education, Medical etc;

How confident are you in your understanding of the concept of insurance? The different types of insurance products on the market and how they work? Do you understand the difference betweenthe various premium structures and benefit terms?

The premium is easy to budget against receipt of income/// Iress premium forecast clearly shows the premium is lower for similar product/// In the client's experience, the new insurer offers excellent customer service/// This plan is affordable based on the customer's financial situation/// The type of insurance offers certainty which was an important consideration for the customer/// The insurers product/s fit the client situation and needs/// The options selected are effective in ensuring the client has more savings/// Iress/QPR product rating for Life and Trauma is superior/// Financial rating is stable/// or???

Quality comparisons; Premium comparisons for one year; Premium forecast; One to one feature comparisons ; Discussed different budget; Discuss advantages and disadvantages; Exclusion/s for new cover; Insurer Broucher etc