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Personal and Business Insurance

Personal and business insurance forms a critical part of the financial planning process. It provides you with protection against the financial implications of an event such as death, disablement, serious illness, or injury. Should such an event occur, your ability to increase your wealth and continue your income will be affected unless you have insurances in place.

Income Protection

Income protection is about providing you with ongoing income to preserve your lifestyle. If you suffer an illness or injury and are unable to work, income protection will provide you with a monthly benefit. Most policies will generally allow you to insure up to 75% of your regular pre-tax earnings.

Trauma

Trauma insurance provides a lump sum benefit upon the insured being diagnosed with one of the defined major or ‘critical’ medical conditions listed in the insurance policy, the policy generally covers such things as cancer, heart attack, stroke, paraplegia, major organ transplant, etc.

This can assist you with:

  • Ongoing medical treatment and rehabilitation programs
  • Home renovations and nursing care
  • Fund any changes to your lifestyle, such as home renovations
  • Allow you to take time out before returning to work
  • Supplement your income protection policy (as you are only able to insure up to 75% of your income through income protection)

Optional child trauma can be included to your policy, allowing you to spend precious time with your child in the event they suffer a trauma.

Total and Permanent Disability [TPD]

This provides a lump sum in the event of a total and permanent disability that prevents you from ever returning to work.

Life Insurance

Life insurance helps alleviate the financial burden your family may be left with after your death. This is paid as a lump sum to your nominated beneficiaries to assist with medical costs, funeral expenses and help maintain your family’s lifestyle.

Many life insurance policies also provide a lump sum in the event of the insured person becoming terminally ill.

Contact Us

Contact us to review your insurance
policies to ensure they are
right for you