The Top Causes of Death in Australia Among Young People

Life Insurance by Life Stage

The choices you make today can impact your long-term health, wealth and happiness. Understand the important role Life Insurance can play in key life events.

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When should you get your life insurance? As early as possible sounds about right.

Here are the top 5 causes of death among people aged 25 to 44 that evidence why earlier is better.

You may not think about it too often – maybe even not at all – but life insurance is important regardless of your age. In fact, if you put off getting life insurance until you reach a particular age, you’ll most likely see an increase in premiums. You may also find it difficult to get covered.

You may not want to think about it since it’s really gloomy, but death and disability can occur much earlier than you might expect.

So, when do you need to start thinking about getting insured?

How Soon is Too Soon?

Well, the younger you are and the healthier you are, the lower the premiums will be.

As you get older, premiums rise. This is because the older you get, the higher your risk in the eyes of the insurance company. So as you need to get approved before you’re offered a life insurance policy, simply the younger you are, the higher your chances of approval.

With that in mind, many people still decide to wait before they get life insurance, assuming they can pay for it in later life when they ‘may’ need it.

But sadly, that’s why it’s called insurance. You can never predict how life will turn out. Young people get sick too.

Scary as this may sound, it should only motivate you to get out there and investigate insurance as soon as possible. You never know when disease or death may strike.

Here is a list of the most common causes of death in young people you should be aware of.

Suicide

For people aged 25-44, suicide is the number one cause of death. Suicide can occur due to chronic depression or after a triggered episode of depression, such as the death of a loved one. When it comes to the number of years of life lost, suicide lands at 105,730 years, back in 2018. The median age of death here is around 44 years of age. In the case of a suicide, uninsured or underinsured couples and families may not get anything to fall back on.

Accidental Poisoning

Accidental poisoning includes the accidental over-consumption of any toxins. Drug overdoses also count. Narcotics, alcohol, and sedatives are a big group of the offending substances in accidental poisoning cases. Also includes medications like psychotropics, antiepileptics, and anti-inflammatory drugs.

Land Transport Accidents

Land transport accidents cover injuries and deaths involving motorized vehicles, bicycles and pedestrians. And sadly we know we lose far too many people on the roads in Australia each year.

Coronary Heart Disease

Cardiovascular disease caused as many as 43,500 Australian deaths in 2017. This accounts for 27% of all deaths for that year and 43% of these were due to coronary heart disease. It may not seem like a clear and present threat for someone in their thirties or forties, but it’s in the top 5.

Breast Cancer

Breast cancer is the number five underlying cause of death in people aged 25-64 and 25-44, predominantly affecting women, with 1,760 lives taken away in 2012.

Early Life Insurance

That’s a big, scary list, so just goes to show that thinking about life insurance, even while you are still young and healthy may not be a bad thing. Being insured early on in life – with product like trauma cover or Total and permanent disablement can help you protect your future.

If you’re looking for the best, look to Noble Oak Life Insurance. We offer maximum cover levels of up to $15 million until you’re 99 years of age.

To find out more, get your FREE life insurance quote today.