Personal Insurance

Personal Insurance
To ensure your investment goals are met, your ability to meet your needs must also be met. This is where personal insurance comes in. It can provide you with a contingency plan to fall back on, where an agreed benefit will be paid to you or your loved ones on the happening of an insurable event such as: 

• Death 
• Serious illness or accident 
• Total and permanent disablement 
• Inability to earn your income due to sickness and/or injury

Personal insurance includes Term Life, Total and Permanent Disablement , Trauma, Income Protection, Business Expense, Key Person and Child Cover insurances.

If you’re concerned with the costs of such insurance, rest assured, the cost is insignificant when you consider the alternative. We can structure some policies in such a way, that their premiums do not effect your day-to-day cash flow. Contact us today to discuss your personal insurance needs.

Term Life Insurance
Pays a lump sum on death or terminal illness.

Total and Permanent Disablement Insurance
Pays a lump sum if you are totally and permanently disabled due to illness or injury.

Trauma Insurance
Pays a lump sum if you suffer a specified medical condition. The condition does not necessarily need to prevent you from working or carrying on with your day-to-day life.

Income Protection Insurance
Pays a replacement income if you can’t work at full capacity or at all, due to sickness or injury.

Business Expense Insurance
Provides reimbursement of fixed operating expenses of your business if you can’t work due to sickness or injury.

Key Person Insurance
Key person insurance, is not a type of insurance product, it is a concept. It is simply Term Life, TPD or Trauma insurance on the life of a key person in the business.

Child Cover
Pays a lump sum benefit if your child dies or suffers a specified medical condition.

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