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Protecting yourself, your family and your assets is vital to financial peace of mind. If the unexpected happens, holding the right personal risk cover can go a long way to helping you and your family meet basic living expenses, such as your mortgage, groceries, transport and school fees.

As your circumstances change, it’s likely that your personal insurance requirements will too. The sections below provide examples of different types of cover to consider.

Life Insurance

Life (also known as death) cover is a way of protecting your family’s financial future. It provides a lump sum payment in the event of death or on diagnosis of a terminal illness where it is likely that death will occur within 12 months.

The lump sum payment can be used to cover mortgage payments, school fees, bills, groceries, other living expenses, final medical costs, funeral costs or any other means as the beneficiary desires. Life cover gives you the peace of mind knowing that your loved ones will be taken care of if you are no longer around.

What is Trauma Insurance?

Trauma insurance pays you a lump sum on the occurrence of up to 48 specified medical conditions, including cancer, severe burns, heart attack and paralysis, whether you are prevented from working or not. This tax free lump sum payment can be used to meet additional expenses when you need it most.

Your private health insurance only covers hospital stays and some extra medical expenses. It won’t cover lost wages, rehabilitation, alterations to your home or long-term nursing care.

You can use a trauma cover lump sum payment to pay for all sorts of expenses, including:

  • Mortgage and other debts
  • Family responsibilities, e.g. hiring a nanny or home help, school fees
  • Partner’s lost income while providing care
  • Travel and accommodation costs while having treatment
  • Nursing care
  • Seeking specialist or overseas medical treatment
  • Home and/or car modification
  • Prosthesis.

Why Income Protection?

Do you have a mortgage, debts or a lifestyle dependent on your income? Is your family or business also relying on you for their upkeep and support? If the answer is YES, then the importance of protecting your lifestyle should not be ignored.

Unfortunately, we never know what’s around the corner. If you care about your family, don’t leave their future to chance.

We’ll help you to safeguard your most important asset both now and in the future.


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