Life Insurance

How would your family cope if you weren’t around?

It’s not something we like to think about, but with life comes risk. We need to take measures to safeguard our loved ones.

Life insurance cannot help with the emotional stress of losing a loved one, but it can protect your family from the financial stress cause by an unexpected death.

How do you know how much cover is needed, which insurance company to use? We can help you answer these questions and many other concerns you may have.

Total Permanent Disability

It’s not something you think will ever happen to you. But most of us know someone who has fallen ill or been seriously injured, which has put them out of work for an extended period of time.

Did you know you can insure yourself for a lump sum should you suffer from a traumatic event, such as heart attack or cancer?

To make sure your family, and your business, has the cover they need, call us at the office to make an appointment.

Income Protection

If an injury or illness forced you to take time off work, could you still keep up with your bills, mortgage repayments?

What if your sick leave runs out before you recover. What if the accident happens outside work and there is no Workcover. What if you’re self employed and have no employer support?

These are all important questions you should ask yourself and then contact our office to learn more about income protection.

Total & Permanent Disability (TDP)

There is always a real risk that an accident or illness can occur that will prevent you from ever being able to work again. If you cannot look after yourself  then not only has your income earning ability ceased, but you are now a drain on families financial resources to support you.

TPD insurance pays out a lump sum in the event that illness or injury render you unable to work with no prospect of recovery. Unforeseen consequences of becoming TPD could include nursing care or modifications to allow wheelchair access to your home. The emotional struggle wont be alleviated but a lump sum payment may alleviate the financial struggle.