Personal Risk Insurance
Financial protection and peace of mind during the unexpected.
Protecting your future: it’s an essential part of a healthy financial position. Because unfortunately, we all go through difficult events — whether it’s illness, injury or an accident. These events are hard to imagine, but sadly that’s life. If you or someone in your family falters through a serious medical incident, the last thing you’ll want to experience is financial stress, struggling with questions like...
Can we keep up with daily living expenses and bills?
How will this impact our family’s needs and ongoing financial commitments?
How financially strained are we now?
We focus on the personal of Personal Risk Insurance, because we know your circumstances are unique. This means taking the time to understand your financial position and educate you about the best options for protecting it.
If your earning capacity is temporarily or permanently affected due to a life trauma, your family’s standard of living doesn’t have to suffer. Just as you protect your physical and mental wellbeing — you should also protect your financial wellbeing.
Being prepared with the right insurance package will provide the confidence to tackle these situations should they arise.
The Big Four: Types of Cover
01
Income Protection
An ongoing monthly benefit if you become sick or injured and can’t work. This ensures your bills are covered, your standard of living isn’t compromised, and your retirement savings stay on track.
02
Life Insurance
A lump sum benefit paid in the event of your death or terminal illness. It helps your family maintain living standards, clear debts, pay the mortgage, or even invest for the future.
03
Total & Permanent Disability (TPD)
A lump sum benefit paid if you become totally and permanently disabled due to sickness or injury, and you can’t work. It can cover treatment costs, home modifications, or supplement income protection benefits, ensuring retirement planning isn’t compromised.
04
Trauma Cover
If you own a business, we can also advise on:
Partnership / Buy-Sell Agreement Insurance
Key Person Insurance
Business Expense Insurance
A lump sum benefit if you suffer a covered trauma such as heart attack, stroke, or cancer. It can be used for medical care, daily expenses, or debt repayment.
