Life Insurance & Total and Permanent Disablement (TPD) Insurance
Have you ever thought about what would happen to your loved ones if you were not around, especially if they were dependant on you for financial support? We all know life is full of unexpected surprises. The death of a loved one can put enormous strains, emotional and financial, on a family.

Life insurance provides a lump sum or equivalent installments on death or diagnosis of terminal illness of the life insured. It is paid to the policy owner who can be a spouse, family trust, a company or of course, the life insured in which case it would be paid to his/her estate.
Often with Life insurance you can add optional Total & Permanent Disablement cover in the event you are not able to work in your own or any occupation for which you are suited by education training or experience.

Income Protection
Imagine if something happened that meant you would be without an income for the rest of your life. How would you replace your lost income? Surprisingly you don’t have to be on an executive salary to earn millions of dollars during your lifetime.
Income protection insurance pays up to 75% of your average annual income, in monthly benefits, to cover your living expenses if you are unable to work.

Trauma Insurance
Trauma Insurance (sometimes referred to as critical illness insurance) typically pays a benefit if you are diagnosed with one of a number of trauma conditions such as cancer, stroke, blindness, severe burns, loss of speech or deafness.
Taking out insurance is sound financial management. Wealth protection is as important as its creation, and much easier and quicker to achieve. Talk to us today about your personal risk management needs.