Protecting Your Future Starts Now

Your 30’s are often a busy and exciting stage of life. Many people are focused on building their careers, buying their first home, getting married, or raising young children. With new responsibilities and financial commitments, it’s the perfect time to think seriously about life insurance.

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At Covermate Life, we’re specialist life insurance brokers, helping Australians in their 30’s explore cover options that may suit their lifestyle, family, and budget.

Important: The information on this page is of a general nature only and does not take into account your personal circumstances. You should always consider your own situation and seek appropriate advice before making financial decisions.

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Why Consider Life Insurance in Your 30’s?

Life insurance is often more affordable in your 30’s compared to later in life. Securing cover now means you can lock in lower premiums while enjoying peace of mind that your loved ones will be financially protected.

Key reasons people in their 30’s consider life insurance include:

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• Young families – ensuring children and partners are supported if the unexpected happens.

• Mortgages & debts – covering repayments so loved ones aren’t left with financial stress.

• Income protection – protecting your salary during illness or injury.

• Future planning – setting a solid financial foundation while premiums are cost-effective.

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Types of Cover You Might Consider in Your 30’s

At Covermate Life, we compare policies across Australia’s leading insurers. Common types of cover for people in their 30’s include:

• Life Cover (Death Cover): A lump sum benefit paid to your beneficiaries.

• Total & Permanent Disability (TPD) Insurance: Provides financial support if you’re unable to work again.

• Trauma Cover (Critical Illness): Covers serious medical conditions such as cancer, heart attack, or stroke.

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

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Why Use a Life Insurance Broker in Your 30’s?

Going directly to an insurer can limit your options. By working with Covermate Life, you gain:

• Comparisons across multiple insurers.

• General guidance to match policies to your stage of life.

• Insights on structuring cover inside or outside super.

• Ongoing support at claim time.

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How Much Life Insurance Do You Need in Your 30’s?

The right level of cover depends on your personal circumstances. Common considerations include:

• Current debts (mortgage, car loans, credit cards).

• Living expenses for your partner and/or children.

• Childcare, education, and household costs.

• Future financial goals and lifestyle needs.

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Get Started with Covermate Life

If you’re in your 30’s, now may be the ideal time to secure affordable life insurance while protecting the people who matter most.

Contact Covermate Life today to explore your options.

 

General Advice Disclaimer:

Covermate Life provides general advice only and does not take into account your objectives, financial situation or needs. You should read the relevant Product Disclosure Statement (PDS) before deciding whether a product is right for you.