Would you like to protect yourself and your family from financial hardship in the event of an unexpected accident or illness?

Tell us about your financial situation and your requirements and we will tailor a competitively-priced risk protection solution to meet your needs. We are accredited with over 10 leading insurance companies – including among others AMP, AXA, MLC, Zurich, ING, Aviva and Asteron. We provide a full range of personal insurance cover, including:

 

Life Cover
This type of insurance provides a lump sum payment to your nominated family members or to your estate in the event of your death. Under the terms of many life policies all or part of the benefit may be paid should you be diagnosed as terminally ill. Life cover can be taken by you as an individual or by your superannuation fund.

 

Total and Permanent Disablement (TPD) Cover
This type of insurance provides a lump sum payment if you become totally and permanently disabled. The benefit is normally provided as an advance payment of a death benefit or on a stand-alone basis.

TPD insurance may be taken by you as an individual or by your superannuation fund, however the cover offered by a TPD policy owned by a superannuation fund is restricted compared to the cover of an individually-owned policy.

 

Trauma Cover
This type of insurance provides a lump sum payment in the event of you being diagnosed with one of a specified range of critical illnesses or injuries. The list of conditions covered and the definitions vary between companies and product options. The benefit can be provided as either an advance payment of a death benefit or on a stand-alone basis.

Income Protection / Salary Continuation Cover
This type of insurance provides you with a regular source of income should you be unable to work for a period due to sickness or injury. You can generally insure for up to 75% of your gross salary and there are a number of options available relating to waiting periods and benefit periods

Business Expenses Cover
This is a specialised form of risk insurance designed for people who are self employed or in a partnership. It provides for a regular payment to cover the fixed costs of running the business should you be unable to work for a period due to sickness or injury.