Quote:
Originally Posted by onetwo_threefour
I vote for a broker. Set mine up through the CBA's recommended broker a few years ago, and got a good comprehensive term plan that will be around until my youngest is 25 and will replace my income to 80% until then. One of the neat options they were able to add was that my coverage (and premiums of course) automatically bumps up 5% every year without being newly underwritten to account for economic advancement. As a matter of maintaining standard of living for my family I thought it was a good option for them to offer.
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I am a broker and would recommend an independent broker as well. You want someone who can go with multiple companies, and give you multiple solutions. Its a bit of a bias on my part, but captive agents aren't where I would go.