Protect yourself & your loved one
Life Insurance
Your life insurance needs are as unique as your thumbprint. We take the guesswork out of coverage by analysing your current financial stage—from debt protection in your early years to estate planning in your later ones.
Why get Life Insurance
Income replacement when it matters most
Ensures your dependants can maintain their lifestyle by replacing lost income in the event of death or Total & Permanent Disability (TPD).
A "wealth mindset" tip for life insurance
Building an education fund takes years of consistent saving. A single medical emergency for a parent or child can wipe out that entire fund in days. Insurance acts as a firewall, ensuring that hospital bills are paid by the insurer while your child's university savings stay safe and untouched.
Eliminating "grief expenses"
The first few days after a loss are the most stressful. Life insurance provides a quick, tax-free cash injection to cover immediate "final expenses"—from funeral costs to travel for distant relatives.
Why get Life Insurance from TM Legacy Builders
We simplify complex options
Life insurance terms, riders, and coverage types can be overwhelming. We translate them into clear, practical choices based on your actual needs.
Experienced advocacy in complex claims
Our agents are experts at building evidence and managing heavy documentation for you. We handle the follow-ups to ensure a smooth settlement and save you the headache.
Creditor-proof asset shielding
We guide you on proper nomination strategies to protect your payout from being seized by creditors or stuck in legal probate. This ensures your family’s safety net remains untouchable and goes directly to them.
Customisable riders & add-ons
Our modular approach lets you "bolt on" specific protections like Critical Illness or Payor Waivers. This ensures you only pay for the coverage that fits your current lifestyle and budget.
Key Benefits
Death Benefit
A lump sum payout is made to your nominated beneficiaries upon death, helping them manage living expenses, debts, and future financial needs.
Total & Permanent Disability (TPD) Benefit
Build deep, lasting relationships to become the go-to partner for your clients’ financial needs across generations.
Accidental Death & Disability Coverage
Offers an additional payout if death or TPD occurs due to an accident, giving extra financial protection during sudden and unforeseen events.
Critical Illness Coverage (Optional)
Provides a lump sum payment upon diagnosis of a covered critical illness, helping to cover medical costs, recovery expenses, or income disruption.
Investment Growth Potential
Some life insurance plans allow part of your premiums to be invested, offering the potential to grow your policy value over time while staying protected.
Stories from the families we walk with
Let's get you insured, your way.
Enjoy a relaxed conversation focused on your goals and get a customised quote that fits your wallet. Never more than you need.
Simple answers to the questions we hear most.
Get answers you need quick.
Chat with our 24/7 advisorHow much to spend on insurance?
Many see insurance as an unnecessary expense, but a well-structured policy pays for itself the moment you need it. See how we recommend balancing protection with your monthly budget.
Select a monthly salary
Your basic needs
Protect your basic needs with US
Disclaimer: These figures are designed to help you visualise your potential, but financial health isn't one-size-fits-all. For a personalised roadmap tailored to your specific goals and lifestyle, book a consultation with us today.
So, are you properly insured?
Most people are either over-insured or dangerously under-covered. Take 60 seconds to calculate exactly how much coverage you need to keep your lifestyle and loved ones secure.
Have a specific question? Chat with us privately.
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Chat with our 24/7 advisorExplore other insurance
Be ready for unexpected surprises
A single hospital bill can wipe out years of savings, we ensure your medical costs are covered so an accident never resets your progress.
Worry-free travel
Travel should be about exploration, not worry. We use our experience to identify risks based on your destination, from medical emergencies to trip delays, ensuring you have a solid safety net while abroad.
A comfortable future for yourself
We help you grow your savings now so you can eventually enjoy a stress-free life with a steady income that never runs out.
