Personal Insurance

Life Insurance

It’s an unhappy fact that we all die – in a time of grief, without careful planning you could potentially leave serious financial problems behind. Life insurance provides you with peace of mind knowing that a lump sum is payable to help cover some or all of these implications. This cover is twofold; to provide for the financial needs of beneficiaries and the securing of assets that may have been accrued – like the family home.

Trauma Insurance

When a major trauma occurs, such as cancer, heart attack or a stroke – ongoing medical costs and day to day living can be a heavy burden to carry. Trauma cover is there to ease the stress of suffering one of the many critical conditions that can affect our normal day to day living. Trauma Cover is a living cover that can provide a lump sum payout.

Total and Permanent Disability Cover

A permanent disability can mean financial death. In addition to being unable to work, a permanent loss of income can be just as crippling as a sickness or accident. Costs associated with regaining independence can increase, such as a wheel chair friendly home. This valuable benefit provides a lump sum to help attain financial freedom.

Medical Insurance

Yesterday we had the comfort of knowing that the public health system would look after us, not anymore. When the public health system is unable to accommodate your needs due to ever increasing waiting lists you are in a position to make use of the very best medical care at a time that suits you, in the private hospital or your choice.

Income Protection

Your most precious asset is the ability to earn an income. Trying to cope financially without an income would mean major changes to your current lifestyle. Income protection can provide you with a monthly payment to help alleviate the financial pressures of being unable to work for a period of time until you can earn again or reach retirement age. How much of you income would you need if you couldn’t work tomorrow?

Mortgage Protection

Buying a family home can be the biggest financial event in your life. In reality it can also be one of the most financially stressful decisions you will make. Mortgage Protection is designed to help you maintain your debt servicing when your health lets you down.