Superannuation
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Life Insurance
Most people think they're covered. They're not.
Your Family's Future isn't a Bet. So Why Risk It?
Super fund insurance often leaves a dangerous gap. One illness. One accident. And everything changes.
The Truth Hurts: Most Families aren't Protected.
4 in 10
don't have any life insurance and don't plan to get it
4 in 10
are completely uncovered
Only 3 in 10
have life insurance via their super
Only 1 in 10
have policies through a dedicated insurer
Think your Super insurance is enough? It's probably not. Your Super gives you default cover, not what your family really needs if life takes a turn.
So here's the real question: Could your loved ones stay afloat without your income?
No Income. No Backup. Now What?
You're the provider. Imagine life walks out on you tomorrow.
Could your family still…
  • Pay the mortgage?
  • Put food on the table?
  • Keep the lights on?
  • Cover school fees?
For most, the answer is NO.
1 million Australians
are underinsured for death and TPD cover
3.4 million Australians
are underinsured for income protection
Super funds typically cover only half of what's needed.
That leaves your family in deep trouble.
And once the savings run out… then what?
The Hidden Gap You Didn't Know You Had.
Your life isn't one-size-fits-all. So why settle for insurance that is? You need cover based on your debts, your lifestyle, your goals.
Ask yourself:
1
How long would your savings last?
2
What if bills kept piling up?
3
Could your family afford to grieve without going broke?
Default cover doesn't ask these questions. But you should.
7 in 10 working Australians have car insurance but only 3 in 10 have life insurance.
Let that sink in. We insure our cars more than our families!
The Other C-Word No One Wants to Talk About.
No, not that one.
We're talking about CANCER, the C-word that can flip your life upside down in a heartbeat.
Here's a wake-up call:
Prostate Cancer
1 in 5 men will develop prostate cancer
Breast Cancer
1 in 7 women will develop breast cancer
Bowel Cancer
1 in 4 Australians will be diagnosed with bowel cancer
Melanoma
1 in 14 people will be diagnosed with melanoma
And many of these happen in prime working years. It's not rare. It's real, and it hits during your 30s, 40s, 50s… when bills are high and kids still need you.
Recovery is long. Treatment is brutal. Costs are crushing.
The out-of-pocket costs can run into the tens of thousands, treatment, rehab, missed income.
Can your insurance handle that?
Do This Today. Sleep Better Tonight.
No more guesswork. No more "I'll get to it later."
Here's how to protect your family, for real:
Get a Free Assessment
Takes just minutes
Find the Gaps
Know where you're exposed
Fix It Fast
Get cover that actually covers
You'll feel the difference.
Peace of mind is priceless.
Take the First Step. It's Free. It's Fast. It's Smart.
👇 Click Below to Get Your Free Insurance Check-Up.
Protect What Matters Most. Your Family.
Still Waiting? Life Won't.
Every day you wait, your family stays unprotected.
You don't need to fear the future.
You just need a plan.
Contact Details
0430 643 914
hello@terrafinancial.com.au
QLD 4209