OUR SERVICES
Life Cover
Life cover provides you with a lump sum payment if an insured person dies or is diagnosed with a terminal illness.
Key Man
Key man insurance is simply life insurance on the key person in a business. A company purchases a life insurance policy on the key employee, pays the premiums and is the beneficiary of the policy. If that person unexpectedly dies or is incapacitated, the company receives the insurance payoff.
Trauma
Trauma Cover products pay out a sum of money if you are diagnosed with or suffer from one of the large numbers of listed serious health conditions. These conditions include Cancer, Heart Attack, Stroke and many more.
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Trauma Cover products are often used as a ‘recovery fund’ providing you with the money to pursue treatment options or to cover any additional costs needed to get back on your feet after a serious illness.
“You have worked hard for what you have. Don’t put it all at risk.”
Income Protection
These products are designed to protect your most valuable asset – your ability to earn an income from your work. These products pay a monthly amount if you are unable to work due to illness or injury. These products can be structured to pay for a short, specific term or to provide cover all the way up until retirement age.
Total & Permanent Disability
While for most people the early death of an income earner would cause serious financial strain for those left behind, the financial impact would be just as serious if the income earner became totally and permanently disabled and unable to work for the rest of their life.
In some cases the hardship experienced would be even more profound due to unexpected costs.
Having the right cover can provide financial support to reduce or eliminate personal or household debt, cover on-going daily living and medical costs for the disabled person or make any required modifications to the family home.
Mortgage Protection
Your income is your biggest asset. How long could you manage without it in the event of an injury or illness? Having the right cover can provide on-going income to maintain your mortgage payments and keep paying the bills and ensure you can focus on your recovery and get back to work a soon as possible.