Some of us are more comfortable than others when it comes to taking risks. That’s why we help you clearly identify where you are on the risk scale and tailor an investment and insurance cover portfolio you are comfortable with.
Personal insurance provides protection against sickness, injury and death, is designed to provide income when you are unable to earn and to protect the lifestyle needs of you and your family when it is most needed.
Life insurance – protects your family if you die, can be purchased inside or outside of superannuation, can also be purchased to cover your spouse. Life cover can give you peace of mind knowing your family will have financial security if you were to die or become terminally ill.
Total and Permanent Disability Insurance – TPD provides a lump sum if you suffer a disability before retirement and can’t work again or can’t work in your usual occupation, can be purchased as an add-on to your Life insurance or as a stand-alone product. TPD cover provides financial security for you and your family it can make a noticeable difference to your situation with a payment that can help you pay for ongoing medical expenses, alterations to your home to make day to day life easier, repay major debts and help provide future financial stability.
Trauma insurance – provides a cash lump sum in the event of a specified critical illness or injury, designed to meet medical expenses, usually purchased as a stand-alone product. This cover can at help take away your money worries in the event of a serious illness. The payment can go toward your medical expenses, recovery and any adjustments you may need to make to your lifestyle after suffering a traumatic event
Income protection insurance– provides a monthly payment to replace (generally) 75% of your income if you are unable to work due to sickness or injury, is available through your super fund or can be purchased as a stand-alone product. Your ability to earn an income is likely to be one of your most valuable assets in life with income protection you can relax knowing that your lifestyle will be protected if you can’t work while you recover from an illness or injury. Having regular income means you can cover your daily living expenses and also help with medical expenses and rehabilitation costs.
Business expenses cover - can provide your business with a payment if as a result of injury or sickness, you are prevented from earning a business income