At Covermate Life, we understand that your needs change as you move through life. The right life insurance in your 30s may look very different to the cover you’ll need in your 50s, as a parent, or when you’re enjoying retirement.

 

That’s why we’ve created a simple way to explore life insurance by life stage. No matter where you are on your journey, our expert team can help you compare policies and choose cover that suits your lifestyle, family, and financial goals.

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Life Insurance for Singles

As a single person, you may think life insurance isn’t necessary. But if you have a mortgage, debts, or family members who rely on you, cover can protect your loved ones from financial hardship.

 

Learn more about Life Insurance for Singles

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Life Insurance for Couples without Kids

Even if you don’t have children, life insurance can help protect your partner from shouldering joint debts or mortgage repayments. It can also provide financial security to cover ongoing living expenses if something unexpected happens.

Learn more about Life Insurance for Couples without Kids

 

Life Insurance for Parents

Raising children comes with responsibilities and costs — from school fees to daily living expenses. Life insurance provides a safety net, ensuring your family is supported if you’re no longer around.

Learn more about Life Insurance for Parents

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Life Insurance in Your 30s

This is often the time when major financial commitments begin — mortgages, young families, and career building. Life insurance in your 30s is usually affordable and sets a strong foundation for the future.

Learn more about Life Insurance in Your 30s

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Life Insurance in Your 40s

By your 40s, you may be juggling a growing family, larger financial commitments, and career stability. Life insurance ensures your loved ones can continue their lifestyle and meet expenses.

Learn more about Life Insurance in Your 40s

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Life Insurance in Your 50s

This stage often brings a focus on planning for retirement and protecting your spouse or dependents. Life insurance can help safeguard assets and reduce financial risk.

Learn more about Life Insurance in Your 50s

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Life Insurance in Your 60s

Approaching retirement doesn’t mean cover isn’t important. Many Australians in their 60s still carry debts or wish to leave an inheritance.

Learn more about Life Insurance in Your 60s

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Life Insurance for Empty Nesters

With children grown and financially independent, your priorities may shift. Life insurance can help cover final expenses, protect your spouse, or create a legacy for future generations.

Learn more about Life Insurance for Empty Nesters

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Life Insurance for Retirees

Even in retirement, life insurance can provide peace of mind — whether it’s leaving a tax-effective inheritance, covering medical or funeral costs, or protecting your partner’s lifestyle.

Learn more about Life Insurance for Retirees

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FAQ 

Do I need life insurance at every stage of life?
Not always. Your needs depend on your financial situation, debts, and dependents. But most people benefit from having some form of cover during working years and family-raising years.

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Is life insurance cheaper when I’m younger?
Yes. Premiums are usually lower in your 20s and 30s, making it a good time to secure long-term cover.

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What happens if my needs change?
Life insurance policies can often be adjusted. As your life changes — buying a home, having children, retiring — we can help you review your cover.

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Disclaimer

Covermate Life provides general advice only and does not take into account your personal financial situation, objectives, or needs. You should consider whether these are appropriate to you and read the relevant Product Disclosure Statement (PDS) before deciding on a policy.