Services

Each policy is designed to provide cover for a different circumstance. Within the personal insurance industry you can access the following policies:
 

• Life Insurance
  Providing for life insurance within your financial / personal insurance plan, allows for the surviving partner to have funds available to address the many unwanted financial issues that arise with an unexpected death.
   
• Total & Permanent Disability (TPD)
  TPD contracts are normally attached to term life policies and pay a lump sum on the total and permanent disablement of the insured.
   
• Trauma Insurance
  Trauma Insurance (also known as Crisis, Living or Recovery Insurance) is designed to pay a lump sum on confirmed diagnosis of a traumatic illness or event, e.g. heart attack, stroke or cancer as specified within a set list of defined medical conditions listed in the policy terms and conditions.
   
• Income Protection Insurance
  Income Protection Insurance is designed to pay a regular monthly income should you be unable to work due to illness or injury. Companies will insure up to 75% of salary package and a combination of waiting and benefit periods can apply.
   
• Business Expense Insurance
  Business Expense Insurance is designed to cover the usual fixed expenses incurred in maintaining a business in the event the life insured is unable to work due to an injury or sickness.

Each policy provides cover for different insurable scenarios and our report will explain the purpose of each contract.

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