Risk Protection
Life is unpredictable — but your financial security doesn’t have to be. First Step Life offers expertly structured life cover, disability benefits, and critical illness protection to shield you and your family from the financial consequences of unexpected events.
From continued income to settling debts, we ensure you have the right risk protection in place to protect what matters most — your loved ones, your lifestyle, and your legacy. A sudden illness, injury, or death can drastically impact your family’s finances. Without proper cover, your loved ones could face:
- A significant drop in household income
- Loss of assets or property due to unpaid debt
- Struggles to cover education, living costs, or medical care
- A complete lifestyle downgrade during an already emotional time
We Collaborate with
Why Choose Our Funeral Policy?
Our funeral cover plans are built to offer financial protection and emotional relief when it matters most.
What We Help You Cover
Life Cover
A lump-sum payment made to your beneficiaries upon death. This cover is designed to:
- Settle outstanding debts
- Cover estate costs and funeral expenses
- Provide for your spouse, children, or other dependants
- Ensure your family can maintain their lifestyle
Disability Cover
Protects your income in the event of a life-changing disability. Options include:
- Lump-Sum Disability – A once-off payment to help settle debts or restructure your life
- Income Protection – A monthly income payout until retirement age to replace lost earnings
Severe Illness & Injury Cover
A once-off payment upon diagnosis of a listed critical illness or injury such as:
- Cancer, heart attack, stroke, organ failure, or trauma
- Used to fund treatment, home adjustments, or relieve financial pressure during recovery
Who needs Risk Protection?
- Breadwinners with dependants or debt
- Young professionals with loans or future income to protect
- Families looking to maintain their standard of living
- Business owners with personal guarantees or financial obligations
- Anyone who wants to protect their loved ones from financial hardship
Why Choose Us for Your Risk Cover?
- Independent Advisors – We compare multiple providers to find you the best options
- Needs-Based Approach – No over-insurance, no unnecessary add-ons — just what you need
- Cost-Efficient Cover – Structured to keep premiums low without compromising protection
- Full Financial Integration – We align your risk cover with your broader financial plan
- Ongoing Reviews – Your cover stays relevant as your life, career, and family evolve
Need Car, Home, or Business Insurance?
First Step Life focuses on long-term planning and protection — but if you’re also looking for short-term insurance solutions, our trusted partner First Step Insurance Brokers can help you safeguard the things that matter most right now
Get the Right Cover, Not Just Any Cover
At First Step Life, we don’t sell insurance, we build personalised protection strategies. Whether you’re looking for basic life cover or comprehensive income replacement, we’ll help you make the right choice at the best available cost.