Life Cover
How will your loved ones be supported in the event of your immediate passing?
Ensure your family's financial security with our Life Cover plans.
At Bay Insurance, we offer tailored solutions that provide a lump-sum payment to your beneficiaries in the event of your passing. This support helps cover living expenses, debts, and future financial needs, giving you peace of mind knowing your loved ones are protected. Explore our comprehensive options and secure your family’s future today.
Is Life Cover Right For Me?
When deciding if life insurance is right for you, consider the following:
Dependents: If you have a partner, children, or other family members relying on your income, life insurance can ensure they are financially supported if you pass away before retirement or saving enough. It can cover costs like paying off a mortgage, funeral expenses, and additional expenses such as childcare or education.
Income: Even without dependents, life insurance can safeguard your earning ability. For instance, if illness forces you to stop working, life insurance can help cover living expenses and bills.
Other debts: Life insurance can also address other debts you may have, including credit cards, personal loans, or hire purchase agreements.
Length of coverage: Some opt for life insurance to match their mortgage term, typically 25 years, ensuring any debts or payments are covered if they pass away during that period.

Life Cover can protect your family when they need it most
Bay Insurance Life Cover advice can take care of your loved ones if you were to pass away. It provides them with a lump sum to ensure life can carry on comfortably.
It can be used in all sorts of ways such as paying funeral expenses, debts, a mortgage, or something specific like funding your children’s tertiary education.
What Will My Life Insurance Cost?
Curious about your insurance costs? Get an instant quote with our Premium Calculator. Fast, easy, and tailored to your needs. See your rates in seconds and take the first step toward better coverage today.
Protecting What Matters To You, Matters To Us.
“You will have a dedicated team to take care of all of your insurance needs, who are available to review your circumstances and recommend appropriate life insurance solutions. Most importantly, you will have insurance experts in your corner representing you and managing any claim you may need to make.”
Chris, Partner
Testimonials
What Our Clients Say
Insurance policies can be complex. We understand that you may feel overwhelmed, and we want to create clarity to ensure you receive the best policy, that delivers on both coverage and value
Best in the business
Why Choose Us?
Complete risk solutions
Get a wide range of services to cover your unique insurance needs.
Flexible Payment options
Flexible premium payment options where clients can opt to pay in instalments.
Claims Management
Have a Claims Manager who is always available and dedicated to get the best possible outcome for you.
Other Life Insurance Covers
Health Cover
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Income Protection & Key Person Cover
What would happen if you could no longer work, or if a key person in your business passed away?