Keith and Joanne's story shows how life insurance has helped one Australian family.
But they didn't quite have enough cover, or the right types of cover.
They talk about how this affected their family life and the positive impact that life insurance - and good financial advice - can have.
We don't need to be reminded that accidents and serious illness may happen. We all know people who have had to take a significant time off work due to illness or injury.
But it's important to remember how income protection insurance can help you and your family during that time. It gives you options and financial freedom when you need it most.
At Asteron Life we get letters, emails and phone calls from people like Keith and Joanne everyday that remind us why insurance - and advice - is so important.
For those who did need it, we paid out $91.3 million in Income Protection and Business Expenses benefits to our customers in 2011..
Note: Payment of any claim by the insurer is subject to the insurer's assessment and approval in accordance with the terms of the relevant policy.
When you're looking at getting Income Protection insurance, keep your eyes out for extras that provide you with more benefits at claim time, such as:
To find out more about income protection:
This is general advice and does not take into account your objectives, financial situation or needs. Before acting on this general advice you should consider the Product Disclosure Statement and the appropriateness of the advice having regard to your situation and consult your financial adviser.
© Suncorp Life & Superannuation Limited 2012