Family Protection

Life insurance

Life cover provides a lump sum payment in the event of death. This lump sum can help reduce debt, pay for final expenses, create an investment fund to generate ongoing income, enable business ownership to be restructured or provide an inheritance or donation, amongst other things. The purpose of the funds is entirely yours to decide.

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Life income cover

This policy provides for a monthly sum to be paid to the beneficiary of a life insurance policy over a specified time frame rather than paid out in a lump sum.
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Accidental death insurance

Rarely sold as one must die instantly for the policy to respond. It is far better for everyone to have full life insurance.  Meaning it does not matter how one dies the policy will respond even for suicide after the policy has been in place of 13 months.

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Trauma insurance

Trauma cover provides a lump sum payment should you suffer one of the covered conditions.

Covered conditions are by nature serious and potentially life threatening and, as a result, can have a significant financial impact. Trauma cover is designed to help alleviate this financial impact. The lump sum can help reduce debt, purchase specialised equipment, pay for home modifications, provide additional care, create an investment fund to generate ongoing income or enable business ownership to be restructured, amongst other things. The purpose of the funds is entirely yours to decide.

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Medical insurance

Private medical cover provides the funding to enable you to have private hospital treatment whenever you require more immediate access or a broader range of treatment options than are available to you
through the public health system.

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When a family’s world falls apart around them

Premium Cover (Waiver of Premium)

Premium cover provides a financial safety net should you suffer a total or partial disability lasting longer than the chosen waiting period. The monthly benefit is designed to relieve you of the financial responsibility of paying your policy premium during treatment and recovery until you are able to return to work full time. [Please note: Waiver of Premium cover is compulsory with income protection but can also be an add-on benefit with a medical insurance policy for  a small monthly fee.]

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Mortgage protection insurance

Mortgage repayment cover provides a financial safety net should you suffer a total or partial disability which causes a reduction in your ability to meet your mortgage repayments. The monthly benefit is designed to cover mortgage repayments on your behalf during treatment and recovery.

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Total and Permanent Disablement (TPD) insurance

TPD cover provides a lump sum payment should you completely lose your ability to ever work again (or carry on your normal tasks, if you are not employed), as a result of illness or injury.

TPD cover is designed to help alleviate the significant financial impact that losing an income forever would likely cause. The lump sum can help reduce debt, purchase specialised equipment, pay for home modifications, provide additional care, create an investment fund to generate ongoing income or to enable business ownership to be restructured, amongst other things.

The purpose of the funds is entirely yours to decide.

Make a no obligation appointment to find out more here 

Personal travel insurance

Personal travel insurance covers unforeseen circumstances while travelling so that you can protect yourself and your family on your holiday easily and at affordable prices. Some key benefits of travel insurance include cover of: overseas medical and hospital costs, stolen and lost luggage, emergency expenses, accidental death or accidental disability, trip cancellations, flight delays, rental vehicle excess, travel documents, credit cards and theft of cash.

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