Products

TPD insurance

TPD insurance (total and permanent disability) pays a lump sum if the insured person is deemed to be unlikely to work again due to sickness or accident.

In the event of a claim, the TPD payment can be used to eliminate debt, pay ongoing medical expenses, make necessary home modifications, or hire home care services such as nursing, cleaning and cooking.

Critical Illness

Critical Illness (Trauma Cover) pays a lump sum on diagnosis of serious critical illness or other specified conditions. Generally most policies cover around 35 – 40 specific conditions which include cancer, heart attack and stroke etc.

Trauma Cover

Trauma cover is designed to help you cover medical expenses associated with the trauma and other costs that your family may be exposed to; also think about time off work for treatment and recovery, sick leave will only go so far.

Income Protection

Income Protection (work cover) pays a monthly benefit in the event that sickness or accident prevents you or severely inhibits you from earning an income. The benefit payable is up to 75% of your income, it becomes payable after a selected waiting period and remains payable for as long as the condition persists or the end of the benefit payment period which the insured person has chosen.

Income Protection is often viewed as the most essential Personal Protection. Most people insure their cars without even thinking; why not insure your ability to earn an income… to pay for the car, the food, the electricity…your families everyday life!

Business Expenses

Business Expenses (Business Overheads) pays a monthly benefit to cover your fixed business expenses whilst you are unable to work due to injury or illness. This cover should allow your business to run without you (and keep up to date with bills) while you are recovering or until you have time to organise the sale of the business etc.

Business Expense Insurance usually only pays for a maximum of 12 months.