Life Insurance (death cover)
Life insurance can provide a lump sum to your estate or a nominated beneficiary in accordance with your directions if you die within the duration of your policy. The cash lump sum may also be advanced if you are diagnosed with a terminal illness and have less then twelve months to live.
Total and Permanent Disability Insurance (TPD)
TPD pays a lump sum if you are totally and permanently disabled. This money can help replace your income, cover your medical expenses plus rehabilitation costs, and generally keep you and your family running during a difficult time.
Trauma Insurance (also known as Critical Illness or Recovery Insurance)
Trauma cover provides a lump sum when you are diagnosed with one of several specified conditions, such as heart attack, cancer, stroke and many others.
Income Protection Insurance (also known as Sickness and Accident Cover)
Income Protection will pay you a percentage of your pre-tax income if you can’t work due to illness or injury. This money could go a long way to keeping your household, or your business, running while you concentrate on your recovery.