Why personal insurance matters
The core purpose of personal insurance is to ensure your family and assets are protected in the event of premature death, disablement, or traumatic event if you are unable to work for an extended period of time.
There are different types of personal insurances that cover different events.
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The below definitions and explanations are general in nature and do not consider your personal circumstances.
Life insurance
Life insurance is paid in a lump sum to your family or chosen beneficiaries when you die.
Total & permanent disability insurance
Total and Permanent Disability (TPD) pays a cash lump sum if a serious illness or injury leaves you permanently unable to work or care for yourself. TPD claims may be subject to tax dependent on age of the life insured.
Trauma/critical illness insurance
Trauma (also known as Critical Illness insurance) pays a single lump sum of money if you are diagnosed with a major medical condition or serious injury covered by your policy. For example, cancers, heart attacks and strokes may be claimable events depending on your policy.
Income protection insurance
Income Protection insurance is designed to replace a percentage of your lost earnings through regular monthly payments if a temporary injury or illness stops you from working.
Key person insurance
Key person insurance protects a business from financial loss if a vital owner, executive or employee dies, becomes disabled or suffers a critical illness.
Buy/sell insurance
Buy/sell insurance provides the funding needed to buy out a business owner’s share if they die, become disabled or suffer a critical illness. The insurance works alongside a Buy/Sell agreement to protect the business and people involved.
Our claims assistance guarantee
If you hold an insurance policy with us and suffer a claimable event, we manage the claim free of charge.
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