Insurance & Personal Risk

A good financial strategy doesn’t stand alone. To protect your finances from the inevitable curveball’s life tends to throw, it’s critical to have the back-up and peace of mind of an effective insurance plan, with insurance cover you can rely on.

Your financial security matters and to help you plan for a solid financial future, regular checks of your insurance cover keep your financial planning up-to-date – for proper peace of mind.

To create a strategic financial plan for your future, there are a range of insurance products to suit your unique needs.

Depending on your individual situation, your insurance needs may include:

• Income Protection
  • Income protection insurance is a type of insurance that provides financial support if you are unable to work due to illness or injury. It can help you pay your bills, maintain your lifestyle, and focus on your recovery.
• Life Insurance
  • Life insurance is a contract (policy) between an individual (policyholder) and an insurance company, where the insurance company promises to pay a designated beneficiary a sum of money (benefits) upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness can also trigger payment.
• Total and Permanent Disability insurance
  • Total and permanent disability (TPD) insurance is a type of insurance that provides financial support if you are unable to work due to a long-term or permanent disability. It can help you pay for your bills, maintain your lifestyle, and focus on your recovery.
• Critical Illness insurance (also known as Trauma Insurance)
  • Trauma insurance, also known as critical illness insurance or recovery insurance, is a type of insurance that provides a lump sum payment if you are diagnosed with a covered critical illness or suffer a major injury. It can help you pay for medical expenses, lost income, and other costs associated with your illness or injury.

With a variety of insurance products that can be tailored to protect your lifestyle – and your secure financial future – you enjoy maintaining your lifestyle, no matter what comes your way. It’s a safeguard that too many Australians overlook but, with the right insurance cover protecting your income – despite whatever accident, or illness-related obstacles get in your way – you can feel confident that your lifestyle, and your family’s financial security, is looked after.