Many of us have insurance for our home, contents and motor vehicle yet fail to cover our most valuable asset – our ability to earn an income and our life.

How would your family continue to meet life’s everyday financial responsibilities if you were sick or injured?

We can discuss your personal needs and we provide advice on the following:

• Income Protection
• Life Insurance
• Trauma Insurance
• Temporary/Permanent Disablement (TPD)

Income Protection Insurance can provide regular earnings replacement if you suffer an illness or injury and are temporarily unable to work. This will help you and your family’s lifestyle until you are able to return to work.

Life Insurance can provide financial security to those who mean the most to you, such as your spouse, children and dependent parents. A well-prepared life insurance plan can help prepare for life’s uncertainties and provide peace of mind knowing that those closest to you are looked after. Life insurance can pay for immediate expenses such as funeral services, unsettled hospital and medical bills, mortgage payments, business commitments and education expenses for your children. We can help you to maintain your family’s standard of living providing some comfort in a difficult time.

Trauma insurance can pay you a one-off lump sum if you have a serious medical condition (eg; cancer, heart attack or stroke). The lump sum can be used to pay your out-of-pocket treatment costs which would help you get the best treatment available. It can also be used to make lifestyle changes so you can focus on healing, reduce your working hours or just take some time off and spend it with your family.

TPD provides a lump sum benefit payment in the event that you become totally and permanently disabled.

Additionally, insurance is not just for individuals. It can protect your business from financial loss, liabilities or instability in the case of the death of a business owner/partner. Life Insurance can be invaluable in maintaining the business you have worked so hard to build.

Anything can happen – protect yourself and your family today.

Many of us have insurance for our home, contents and motor vehicle yet fail to cover our most valuable asset; Risk Insurance – our ability to earn an income and our life.