At Safe Nest Financial, we understand the importance of securing your family's financial future. With trust as our foundation and care as our commitment, we offer a range of financial services designed to provide you and your loved ones with peace of mind.
IT’S ABOUT BEING A SUPER PARENT!!
Every 20 minutes in the US, a child loses a parent they depend on financially*.
Getting life insurance could be one of the smartest things you can do to protect your family financially. Safe Nest Financials mission is to make this process as simple, quick, and straightforward as possible, so you can cross one more thing off your To Do list.
Because we believe that nobody should be worried about money when they’re dealing with the loss of a loved one.
THREE STEPS TOWARDS BECOMING A SUPER PARENT WITH FINANCIAL PEACE OF MIND
Safe Nest Financial makes it quick and easy to get the financial protection you need at a price that’s right for you.
ALL ABOUT LIFE INSURANCE
What is life insurance?
Think of it as a financial safety net for your family. If the unthinkable happens and you die, your life insurance policy is designed to provide a lump-sum pay out to help with the bills.
How much does it cost?
Surprisingly little - your monthly premium will depend on your health, lifestyle and cover amount, but can be between $6 - $20 a month for many.
Isn’t it super complicated?
That’s what we’re here for. Our advisors know what they’re doing, and they’ll talk you through everything – without the jargon – to find cover that works for you. In the meantime, check out our FAQs for more information.
Do I really need it?
Death is the only certainty in life. Could your family afford to live without you? Do you have enough savings for your partner to take the time they need off work? If not, life insurance can help lighten the financial load.
Does it pay out?
Yes. 97% of US life insurance claims result in a successful pay-out. In fact, Insurers paid out $3.87 billion in 2022**.
Want to know more? Check out our FAQ section.
MEET SAFE NEST FINANCIAL
Let’s talk about it. We know – dying’s not our favorite topic of conversation either. But it’s a fact of life, and the tragic reality is that it sometimes happens much sooner than expected.
That’s why we launched Safe Nest Financial.
We were shocked to discover how many families had no financial protection. And the more we looked at the insurance industry, the more we realized that very few Insurers were actually talking to mums about the importance of life insurance.
You may think you’re too young, too healthy, or even just too busy. But nobody can predict the future. And the earlier you sign up, the cheaper it’s likely to be. Don’t leave it until the last minute. Click below to get started with a free, no obligation quote.
What is life insurance?
Life insurance is a financial protection policy that pays out a lump sum of money to your loved ones if you die. It can be a crucial financial safety net for parents or partners who want to help make sure their loved ones can pay off their mortgage, clear any outstanding debts, pay the bills, or receive some money as a gift after they’ve gone. You pay for your life insurance in monthly installments known as premiums, and there are many different types of policy you can opt for. Our sales advisors will consider your financial commitments and help you find the right cover to suit your needs.
How does life insurance work?
Life insurance helps to protect your family financially in the event of your death. The amount you pay each month will depend on various aspects of your health and lifestyle. As long as you have kept up with your payments, which can be as little as $6 per month, your policy will pay out upon your death, giving your beneficiaries a lump sum payment to help them pay the bills and take the time they need to grieve after you’re gone.
Are life insurance products taxable?
Life insurance payouts in and of themselves are not subject to tax, however your payout may be subject to inheritance tax. Inheritance tax only applies if your total estate (property, money, possessions etc.) is valued at more than a total of $325,000, and you only pay tax on any amount greater than that amount For example, if your estate is valued at $400,000, an inheritance tax of 40% would only be applied to $75,000. You can, however, protect your life insurance proceeds from inheritance tax by nominating beneficiaries during the sale of your policy with us or by putting it in a trust with a legal professional, meaning it won’t be counted as part of your estate and the full amount will go directly to your chosen beneficiaries.
What are the difference types of life insurance cover?
There are many types of life insurance cover you can choose from, including:
Level term life insurance
Whole of Life insurance
Decreasing term Life Insurance
Joint life insurance
Family Income Protection
Critical illness insurance
Income Protection Insurance
Over 50s
Life Insurance
At Safe Nest Financial , we specialize in all policies!
Are life insurance policies worth it?
It’s true that life insurance may not always be worth the investment for some people. But if you’re a homeowner, or have children, a partner, or anyone else who depends on you financially, it can be a really important safety net to have in place for those who rely on your income to pay the bills. Even if you’re not the breadwinner, if your partner couldn’t afford to take time off work, or would need to pay someone to take care of your children, your life insurance policy could make a huge difference.
