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Life Insurance
Life Insurance will provide your family with a lump sum of money in the unfortunate case of your death in order to protect them against the financial burdens and hardship that might otherwise follow.
Health Insurance
Health Insurance provides the funding to enable you to have private medical treatment whenever you require more immediate access or a broader range of treatment options
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Income protection
Income Cover provides a financial safety net should you be disabled as a result of sickness or injury, and unable to earn your regular income.
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Trauma Cover
trauma Cover provides a lump sum payment should you suffer one of the Covered Conditions listed by your provider. These could range from Cancer, Strokes, Heart Attacks, through to Dementia.
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Total Permanent Disablement
Total and Permanent Disability (TPD) Cover is designed to help alleviate the significant financial impact that losing an income foreverwould likely cause.
Mortgage Protection
designed to protect the repayment of your mortgage.
UNDERSTANDING INSURANCE
It’s important you have an understanding of the different types of insurance and in which cases they will provide you with cover. This can be easily understood by using a concept called the 'Disablement Process'.In general, it’s rare for people to pass away suddenly (such as in a car accident or from an undiagnosed health issue). Usually a person goes through a process of steadily declining health called the 'Disablement Process'.This process could be rela=vely short or take many years, but regardless each stage brings with it serious financial challenges, from con=nuing to pay normal household expenses, to covering financial liabili=es like a mortgage or even providing the basics to those who depend on you.
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