Our Services
Family Protection
Insurance solutions to provide for those you love the most
Comprehensive Risk Protection Planning
It’s something none of us likes to think about, but ensuring that your family and assets are financially protected if something unexpected happened to you is an essential part of your financial plan. Everyone’s needs and circumstances are different. We’re here to ensure that you have a comprehensive risk protection plan in place that suits your needs, to mitigate the risk gap for you and your family whilst you are building your wealth.
There is no denying that your health is your most important asset. It’s not uncommon to think that it won’t happen to you. But it could. Think about what would happen if you are unable to work for an extended period of time, and there is no way to cover your bills and mortgage. The results could be devastating.
Our purpose is to ensure that you have the right insurance in place to alleviate that financial burden. Should the unthinkable happen and you do get sick or injured, insurance can provide more options for treatment and allow you the peace of mind to focus on healing.
We have the resources to find the right policy for you for the right price. If required, we’re happy to conduct a comprehensive needs analysis to determine what type of cover you need to protect your wealth, and how much cover you require.
Tailored Solutions for Individuals
We can arrange Income Protection, Total and Permanent Disablement insurance, Death cover and Trauma insurance for individuals that can cover you, your income, debts, and your family.
Income Protection
If you rely on your paycheck to pay your bills and buy food, then you need Income Protection. The reason being that Income Protection insures one of your most important assets, YOU. In the event of you being unable to work due to a sickness or injury, your Income Protection Insurance will pay you up to 75% of your normal monthly income. The cost of Income Protection premiums is dependent upon how long you believe you can afford to wait before making a claim, and how long you would like to receive the Income Protection payments for.
Total and Permanent Disablement
Imagine if you need to work, but due to a severe injury leading to permanent disablement, you are unable to ever work again. Would you be able to survive financially? If you can never return to work through a permanent illness or injury, TPD insurance will pay you a lump sum amount. This can be used to cover expenses associated with being disabled or maintain your current lifestyle in the absence of your income.
Death Cover
Death cover is not for you, it is for your family. It pays a sum of money to your nominated loved ones if you were to die or were diagnosed with a terminal illness. This would support them financially due to the absence of your income. It can best be described as the last love letter you write to your family. What do you want yours' to say?
Trauma Cover
Trauma Cover provides a lump sum payment to help you deal with a traumatic sudden illness like Cancer, heart attack or stroke, or any other specified medical condition. It pays you an agreed amount and you can use it to take care of anything you need it to pay, for example, your medical expenses, or household bills. It can help to provide much needed support for you and your family through the sudden diagnosis of illness or injury. If you wanted to take time off work to fully recover, you would be covered to take a holiday with your family.
Providing for your Business Needs
If you are a business owner, and this sort of protection is required, we’d be happy to liaise with Facilitators, Solicitors and Life Companies to arrange Buy Sell Insurance solutions suitable to protect your business interests.
