Types of insurance

Before buying any type of insurance policy you will need to have a think about exactly what you need. A lot of people don't insure the most important things. Income is one often overlooked example. Add up your annual salary for each year that you plan to work between now and retirement, a lot of people are surprised that this is millions of dollars and its often un-protected! There are a great many types of insurance that our advisors can organise for you, below are a couple that not a lot of people initially think of.

Income protection / Salary continuance

If you are too sick or injured to work for a period of time, how would you currently get by? Income protection can pay a monthly benefit of around 75% of your regular income if you’re too sick or injured to work. Speak to our advisors to find out more.

With income protection, you can continue paying the mortgage, phone and utility bills, car and most other day-to-day living expenses.

Total and permanent disablement (TPD)

TPD cover provides a lump sum payment if you’re totally and permanently disabled. This cover can help you pay for medical expenses, repay major debts and help provide for your future.

Trauma cover

Trauma refers to diagnosed conditions such as heart attack, organ transplant requrements,burns, cancer, stroke paralysis and can assist you meet your medical expenses by paying you a lump sum payment. Our advisors can assess your needs for this product.

Life insurance / Death cover

Life cover assists your family when you pass on, and provides for them in your absence. If the major bread winner passes on unexpectedly , often its up to family and relatives to find money they need to pay any mortgages, fees and day to day expenses that are generally not a problem. Request advice about the right options for you.