Services

PERSONAL INSURANCE

 

Life Insurance

  • Provides a lump sum benefit to your nominated beneficiaries in the event of your Death or the diagnosis of a terminal illness

Total and Permanent Disability ( TPD )

  • Provides a lump sum  payment if you become totally and permanently disabled through injury or illness

Trauma Cover

  • Provides a lump sum payment upon diagnosis of one of a number of specified medical conditions. Conditions covered include heart attack , cancer , stroke ( refer PDS for full listing ) and adequate cover is recommended to assist in covering  your medical costs and provide a buffer to enable you to recover properly without undue financial pressure

Income Protection

  • Covers the insured for loss of income caused by injury or illness. Up to 75% of your gross income can be covered via a monthly payment once the waiting period has been satisfied and you are still off work due to injury or illness.  You are covered 24 hours per day and a range of benefit periods are available , from two years through to age 65

Note premiums for most of the cover above can be paid for via your existing superannuation accounts instead of paying the premiums with after tax dollars. Talk to one of our advisers to either review your existing policies or have new cover put in place and be confident you have the right structure for your personal situation