Life insurance

Life insurance pays out a lump sum if you die or are diagnosed as being terminally ill. This money can be used to look after your family by providing them with money to replace the income you bring in as an earner, or to pay for the unpaid work you do around the home. It can also be used to eliminate or reduce debt, both personal and business debt. It can also provide a legacy, or head start for any children left behind.


Sickness & Accident Insurance

Trauma or Critical Illness insurance

Sickness and accident covers are designed to pay out in the event you suffer a major, life changing illness or accident such as a stroke, cancer, or blindness. This is statistically much more likely to happen before the age of 65 than dying. A family member suffering this type of an event can often have a larger financial impact than the person dying due to the ongoing associated care costs. The money can be used to help pay for medical care and recuperation, or to assist in adjusting to a disability. It is also used to repay or reduce debt.


Income protection Cover

Income Protection cover (also known as Mortgage Protection cover) replaces your income when you cannot work. Your ability to generate income is your greatest asset. This type of product will pay you a set amount every month, to replace the income lost while you are too sick to earn. You can choose the benefit pay out for a set period, or until you would have retired at age 65.


Total and Permanent Disability Insurance

Total and Permanent Disability (or TPD) cover pays a lump sum when you are no longer able to do your job, or even look after yourself. Some examples we have paid claims on are a surgeon who can no longer operate due to developing an unsteady hand because of Parkinson’s disease, a mechanic who developed arthritis, and an office worker who developed motor neuron disease.