Income Protection:  If you’re like most people, your way of life is at least partially dependent on your ability to work. Therefore, an extended absence because of sickness or injury could be devastating to your lifestyle, and that of your family. Income protection is designed to help in such circumstances – replacing your income if you’re unable to work as a result of sickness or injury. The maximum cover is usually 75% of earnings.  However, optional additional benefits may be available.

Trauma Insurance:  When you suffer a serious illness, the impact on your life is likely to be enormous. The financial impact can also be devastating if you’re not adequately prepared for it.

Trauma insurance provides you with a lump sum payment if you suffer an insured major medical trauma. The actual events covered vary between insurers, but some of them most common ones include: Heart, neurological conditions, blood disorders, cancers and organ disorders. 

Total and Permanent Disability (TPD) Insurance: A permanent disability can place enormous strain on a family’s financial position. Not only can you be left without an income, but there are often additional and perhaps unexpected costs that come with being disabled, some of which can remain for a number of years.

TPD insurance is designed to help you and your family cope financially in such a situation – paying you the insured amount if you can no longer work due to sickness or injury.

Life Insurance: When you’ve made major financial commitments, like having children or taking out a mortgage, you’re relying on your ability to keep supporting them for many years. But if you take yourself out of the picture, those commitments can become a major burden for your family. 

Life insurance provides for the insured benefit amount to be paid to your dependants if you die or are diagnosed as terminally ill.