Insurance to protect your family’s future

Pays a lump sum benefit to your beneficiaries if you die. Generally, a life insurance policy will also pay your benefit to you if you are diagnosed with a terminal illness, providing an important source of income that will assist with the costs of medical treatment and care.

In addition, Accidental Death insurance can provide an extra lump sum payment if you die as a result of an accident.

Provides you with a lump sum payment if you suffer a specified permanent disability that, depending on your policy, prevents you from returning to work in either your own occupation, or any occupation.

Generally, you can include Total and Permanent Disability as part of your life insurance policy or as a separate policy. You may also have Total and Permanent Disability insurance included within your superannuation.

Makes regular monthly payments of up to 75% of your regular earnings while you are unable to work due to illness or injury up to age 65. Premiums are generally tax deductible.

Pays a lump sum benefit of up to $2 million should you suffer a specified critical illness such as heart attack, stroke, coma, blindness, deafness or loss of speech, malignant cancer, Multiple Sclerosis or any other critical condition specified in the policy.

Pays certain business expenses for up to 12 months while you’re unable to operate your business due to illness or injury.

Business expenses that may be covered include rent or loan repayments on business premises, property rates, taxes and levies, vehicle and equipment leases, utilities, salaries and wages and accounting fees.

Insurance options, incorporating life, disability and trauma should be considered for an effective business succession plan. Key Person insurance protects the business from the unexpected loss of a key person due to death, disability or trauma. Buy Sell insurance protects all business owners and their estates from the impact of death, disability or trauma suffered by a business owner. Loan guarantor insurance repays loans guaranteed by a business owner or director in the event of their death, disability or trauma.