Personal insurance protects the most important asset you have – you. It does this through covering your wealth and your assets in the event something unexpected occurs, such as a serious injury, accident or long term illnesses. This in turns helps protect your future and the future of your family.
We can assist in selecting the right insurances for you, which would include:
A lump sum payable on death or terminal illness. This can help support your dependants to maintain living standards or pay off debts.
Total and permanent disability (TPD) insurance
A lump sum to help support you if you are totally and permanently disabled due to illness or injury.
Income protection insurance
A monthly income stream to help support you if you are temporarily unable to work because of illness or injury.
A lump sum to help support you if you are diagnosed with a specified major medical condition (eg. heart attack, stroke or cancer).
Business insurance protects the asset you have in your business if something happens to you or your business partner.
This is an important part of protecting yourself and your family. It does this through covering the ‘value and revenue’ you and your partner adds to the business, ensuring that in the event something unexpected occurs, such as a serious injury, accident or a long term illnesses, the doors to your business stay open.
This is achieved through:
Business expense cover
Covering your general business expenses, such as rental costs and non-revenue earning employees.
Key person cover
Cover designed to replace the revenue and/or good will value that a key individual adds to your business.
This allows a business partner/s to buy out a deceased or permanently disabled partner’s equity while assisting in the funding of a fair purchase price.