Insurance

Life Insurance

With the right amount of life insurance you can feel safe knowing that your loved ones will be looked after financially if you were to die or become terminally ill.

Dealing with the death of a family member is never easy but with life insurance your beneficiaries can receive a lump sum payment to help them financially during a difficult time.

Protect My Mortgage Insurance

If you are unable to make your home loan repayments due to unexpected life events, we might be able to help.

Protection products vary and can include cover for a number of events such as injury, illness, disability and death. The cost of cover will depend on numerous factors including: the insurance product you select, the insurer, the benefit amount, what is covered, your age and your health.

Choosing the right kind of cover can be daunting, however there are simplified protection products available that are easy to understand so you can be sure of what you’re getting.

Let us help you to get the desirable outcome Call us to make an appointment today.

Trauma or Critical illness

If you’re suffering from a serious illness, or are recovering from a major injury, the last thing you want to be worrying about is money. Trauma insurance can make sure that doesn’t happen.

That’s because trauma insurance provides a one-off, lump-sum payment if you’re diagnosed with a critical illness, like cancer, heart attack, stroke, Parkinson, Melanoma to mention just a couple of illnesses covered.

Let us help you to get the desirable outcome Call us to make an appointment today.

Total and Permanent Disability Insurance.

Total and permanent disability insurance pays a lump sum if you become totally and permanently disabled because of illness or injury.

Each insurer has a different definition of what it means to be totally and permanently disabled. It can cover you for either:

• Your own occupation — you’re unable to work again in the job you were working in before your disability. This cover is more expensive and is usually only available outside super.
• Any occupation — you’re unable to ever work again in any job suited to your education, training or experience. This cover is cheaper but has a higher threshold to claim, so it’s less likely to pay out.

Let us help you to get the desirable outcome Call us to make an appointment today.

Business Expenses

Could your business cover its expenses if you were unable to work?

Business Expenses insurance is particularly useful for you to cover fixed business expenses should you be unable to work due to illness or injury. This can keep your business income active while you recover and can be used to reimburse costs such as:

• Rent
• Loan repayments
• Equipment leasing costs
• Utility expenses, and
• Wages of non-income producing staff

Let us help you to get the desirable outcome Call us to make an appointment today.

Key Person

Do you have a business partner or employee whose expertise, reputation and assistance you rely on?

Business insurance considers the continuity of your business if it is ever hit by the impact of losing a key employee or a business partner.

A business can insure its key employees, so that if they die or become disabled the business receives a cash lump sum to fund the financial losses the business may incur. This could be due to loss of customers or know-how that the key person delivered. It can also be used to repay debts or to train a replacement, so that the business can continue to thrive.

Let us help you to get the desirable outcome Call us to make an appointment today.