Aussies we know are a pretty easy going bunch and this is probably one of the main reasons we’re also a terribly under-insured nation.
The ‘she’ll be right mate’ attitude is pretty pervasive, with most of us thinking ‘it’ll never happen to me.’
And then, wondering what’ll happen to the family when you’re gone can be perceived as a little morbid.  Some hubbies have told me that the missus can take care of herself and the kids, remarry or go back to work to deal with outstanding debts.  (None of them I considered as potential ‘father of the year’ candidates.)
Consider the flipside tho – if your kids have just been deprived of their father – at huge emotional cost, then you’ll also depriving them of their mother, sentenced to work out of necessity, when a bit of cover could have taken care of the big debt items.
Think you can afford it?  Seriously, if you can’t afford the$100 per month whilst you’re earning an income, it’s going to be even harder for the family to find the $1000 or $4000 per month without the bread-winner and their income.  Nobody I know has ever gone bankrupt paying for insurance; but families can, because they weren’t!
Chat to an adviser today about appropriate levels of cover and funding options that may mean you will never personally be ‘out of pocket’ either.