Life moves fast - make sure you have the right cover
Your 40s are a balancing act. You might be deep into your career, juggling family life, and managing financial responsibilities. With so much going on, it’s easy for life insurance to fall off the radar. But now’s a smart time to think about what you’re protecting. Life doesn’t always go to plan and asking “what if?” can help you prepare for the unexpected.
Planning ahead in your 40s can make a real difference. We understand affordability matters, and we’re here to help you find the right balance between cost and coverage. As your life evolves, your insurance can too - so you can keep pace with your goals and protect what matters most.
The insurance cover you have now may have suited your needs when you took it out, but does it still reflect your needs today?
To review and make changes to your cover, please speak to your financial adviser or contact our Customer Solutions team on 0800 808 267.
You can view your current level of cover and your premium details in My Resolution Life.
Protect what you’ve built
Protect loved ones
Provide peace of mind or support to your partner and family
Cover remaining debts
Help with mortgage, school fees or credit card payments
Protect your lifestyle
Maintain your quality of life if your income is impacted
Your insurance guide: Stay in control - review your insurance
A guide to life insurance for over 40s
Learn more about the benefits of life insurance for those in their 40s.
Download As life changes, so do your insurance needs
It’s a good idea to review your cover regularly to make sure it suits your current needs.
Review your insurance Common misconceptions (and what’s actually true)
Myth: I’m spending money on something I might never use.
Fact: Life insurance isn’t just about the worst-case scenario – it’s about peace of mind. It’s a financial backup plan that ensures your family won’t face hardship if the unexpected happens.
Myth: It’s not worth the cost and I’m better off spending my money elsewhere.
Fact: You can often adjust your cover to make premium payments more affordable, while still staying protected.
Myth: I don’t need life insurance in my 40s if I’m healthy.
Fact: Many claims happen in your 40s – it's a key time to stay protected. At Resolution Life, 22% of income protection claims and 22% of trauma insurance claims are made by customer in their 40s1.
Understand what you may be giving up before cancelling
Cancelling your cover now may mean:
- Losing cover that may leave your loved ones without a financial safety net.
- If you seek cover at a later stage, you may need to complete underwriting, including medical tests. This may result in facing exclusions or higher premiums (loadings) if your health has changed since you first applied.
- Maybe being ineligible for new cover, if your health circumstances change or you are above entry age for the cover.
You’ve maintained your cover for a reason – ensure it still meets your needs.
12024 Resolution Life Australasia claims statistics.
The information in this video is factual information only, it does not contain any financial product advice or make any recommendations about a financial product or service being right for you. Any advice is provided by Resolution Life is general advice and does not take into account your objectives, financial situation or needs. Before taking any action, you should consider the appropriateness of the advice having regard to your objectives, financial situation and needs, as well as the product disclosure statement (if available) and policy document for the product. Any guarantee offered in the product is only provided by Resolution Life. Any Target Market Determinations (if available) for our products are available on our website. Resolution Life does not make any representation or warranty as to the accuracy, reliability or completeness of material on this website nor accepts any liability or responsibility for any acts or decisions based on such information. Resolution Life can be contacted in Australia via resolutionlife.com.au/contact-us or by calling 133 731 or in New Zealand via resolutionlife.co.nz/contact-us or by calling 0800 808 267
Important information
The content of this website is for information only, it does not contain any financial advice or other professional advice or make any recommendations about a financial product or service being right for you. The information provided by Resolution Life Australasia Limited ABN 84 079 300 379, NZ Company No. 281363, AFSL No. 233671 (Resolution Life), is of a general nature and does not take into account your objectives, financial situation or needs. Before taking any action, you should always seek financial advice or other professional advice relevant to your objectives, financial situation and needs, as well as consider the policy document for the product. Any guarantee offered in the product is only provided by Resolution Life.
Resolution Life does not make any representation or warranty as to the accuracy, reliability or completeness of material on this website nor accepts any liability or responsibility for any acts or decisions based on such information.
Resolution Life can be contacted at resolutionlife.co.nz/contact-us or by calling 0800 808 267.
