Be prepared for life’s emergencies
Imagine what your family’s life would be like if you or your partner died or became seriously ill and couldn’t work. Would you be able to survive financially? Can you pay the mortgage and bring up your kids?
Insurance can provide the money that you or your family need in critical times. It will not take away the pain of losing a job or a loved one, but it will ease the added pain of financial problems. We can help you choose the most appropriate package of cover, taking into account your expenses, debts and personal goals.
Income protection insurance
If you’re unable to work due to sickness or injury, income insurance can provide a regular stream of funds totalling up to 75 per cent of your ordinary income. And the premiums are tax deductible.
A lump sum is paid to your nominated beneficiaries in the event of your death. The payment may help your family, dependant and or business partners cope with the financial burden left by your tragic loss.
Trauma recovery insurance
A lump sum is provided if you suffer one of an extensive list of trauma events including cancer, heart attack and stroke.
Total and permanent disability (TPD) insurance
In the unfortunate event you become totally and permanently disabled, TPD insurance pays a lump sum to help you maintain your quality of life.
Business expenses insurance
If you own a business and sickness or injury stops you earning an income, business expenses insurance provides a basic payment to help with day-to-day business costs.
Key person and business succession insurance
Business owners can help protect their business against death, disability or serious medical trauma happening to a key person or co-owner by taking out an appropriate package of life, TPD and trauma recovery insurance.