Personal Insurances

Our insurance experience brings the understanding needed to select the appropriate policy and provider for your financial circumstances.

When selecting insurance providers we always consider the following:

  • Strength and claims paying capacity of the provider
  • The provider’s history of paying claims
  • The policy wordings offered by the insurer
  • The premium charged

Life Insurance

Life Insurance offers financial protection for dependents in the event of death. The cost of insurance varies significantly with the type of insurance cover selected. A balance must be reached between affordability and the best policy conditions available. Cover required is determined by several factors including your assets and liabilities and the income needed to maintain your family’s standard of living.

Total and Permanent Disability Insurance

TPD insurance is designed to provide a lump sum in the event of a serious illness or injury that totally and permanently incapacitates you, preventing you from working. TPD is used to repay debts, cover capital gains tax liabilities and to cover dependents from the loss of an income provider.

Income Protection 

Income protection insurance pays you an income if you’re unable to work in the event of illness or injury. Income protection insurance can usually pay up to 75% of your income for a selected period of time.

Income protection insurance provides income and can also provide additional features that give added protection to help you return to work in the event of a claim. Income protection insurance is tax deductible and the income payments received under the policy are assessable for tax purposes.

Trauma & Critical Illness Insurance

Trauma insurance is paid in a lump sum to those who suffer a traumatic event such as the diagnosis of cancer or a coronary disease. Importantly, trauma insurance is paid on the confirmation of a diagnosis.

The treatment required to fight and recover from life threatening conditions often means working is not possible. Trauma insurance is targeted to pay for care, cover debts and living expenses and relieve stress on the household budget in a traumatic situation.