For many couples without children, life insurance may not seem like a priority. However, protecting your partner financially is still important. Whether you’re paying off a mortgage, managing joint debts, or simply wanting to provide security, life insurance can offer peace of mind.

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At Covermate Life, we’re a life insurance broker offering general advice only. This means we don’t tell you what’s best for your personal situation, but we do help you compare options from Australia’s leading insurers so you can make an informed choice.

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Why Couples Without Kids Consider Life Insurance

Even without children, there are many reasons couples choose cover:

• Protecting your partner – If one of you passes away, life insurance can help the surviving partner manage living costs.

• Mortgage protection – Many couples take on joint home loans; life insurance can ensure repayments are covered.

• Debt repayment – Credit cards, car loans, or investment debts don’t disappear. Cover helps protect your partner from financial stress.

• Future planning – Some couples choose life insurance to secure financial goals like early retirement or leaving a legacy to family or charity.

• Peace of mind – Knowing your partner will be looked after allows you to focus on building your life together.

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Types of Cover to Consider

As a couple, the types of life insurance that may be relevant include:

• Life Cover (Death Cover): Provides a lump sum payout to your partner.

• TPD (Total & Permanent Disability): Financial protection if you become unable to work due to permanent disability.

• Trauma Cover: Helps cover medical expenses if diagnosed with a serious illness.

• Income Protection: Replaces a portion of your income if you can’t work due to illness or injury.

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At Covermate Life, we can help you compare these options across multiple insurers.

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When to Review Your Cover

It’s smart to review your insurance when:

• Buying property together.

• Taking on new debts.

• Changing jobs or income levels.

• Planning for future financial goals.

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How Covermate Life Can Help

• We’re an independent life insurance broker.

• We provide general advice only to help you compare cover options.

• We explain policies clearly so you can make the right choice for your situation.

• We work with multiple insurers to give you more flexibility.

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FAQ – Life Insurance for Couples Without Kids

Do couples without children really need life insurance?
Yes, particularly if you have a mortgage or debts together. Life insurance ensures your partner won’t be left with financial burdens.

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What is the most common cover for couples without kids?
Life cover and income protection are common, helping protect household income and shared financial commitments.

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Can we get joint life insurance as a couple?
Yes, some insurers offer joint policies, but it’s often more flexible to hold separate individual policies.

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When should couples review their life insurance?
Whenever you take on new debts, buy property, or change financial goals. Reviewing every few years is a good practice.