Personal Insurances

Disability Income Protection (Income Cover)

Is a cover for private income earners which pays a replacement income benefit either for a fixed period or until you are well enough to go back to work.

Private Medical Insurance (Health Insurance)

Reimburses the cost of major in-hospital surgical and medical treatment along with tests and specialist fees.

Critical Illness and Major Trauma Cover (Trauma)

Pays a cash lump sum on the diagnosis of up to 48 or more critical illnesses or major traumas.

Total & Permanent Disability Cover (TPD)

Pays a cash lump sum when the effect of any injury, illness or medical condition means you are unlikely to ever go back to your own job or job type.

Life/Terminal Illness Cover

Provides a cash lump sum when you die or if you are going to die within the next 12 months.

Family Income Continuation Cover

Provides a regular tax-free income when you die and is paid to your family every month for a nominated period whilist you still have dependant children.

Mortgage Protection

Pays a cash lump sum to repay your mortgage in full, if you suffer a disability, serious illness or death. It can also cover your on-going mortgage payments if you are too sick to work.

Personal Guarantee Cover

Provides cash to repay or eliminate a personal guarantee, when suffering a disability, serious illness or death, therefore protecting your personal assets that may be at risk.