Protect Your Loved Ones

Life insurance provides a lump sum payment to your beneficiaries if you pass away, offering financial security for your family.

Why You Need Life Insurance:

✔ Financial Protection – Covers living expenses, mortgage, and education costs for your dependents.

✔ Debt Repayment – Helps pay off outstanding loans and credit cards.

✔ Estate Planning – Helps your assets to be passed on without financial burden. E.g., repaying the home loan.

✔ Final Expenses – Covers funeral and legal costs, easing stress on your loved ones.

Is Life Insurance Right for You?

If you have dependents, debts, or estate planning needs, life insurance can provide essential financial security for your loved ones.

TPD insurance provides a lump sum payment if you become permanently disabled and can no longer work, ensuring financial security during a difficult time.

Why Consider TPD Cover?

✔ Financial Security – Covers medical expenses, care costs, and daily living needs.

✔ Debt Repayment – Helps pay off your mortgage, loans, or other financial obligations.

✔ Ongoing Care & Lifestyle – Supports rehabilitation and home modifications.

✔ Income Supplement – Provides a financial cushion if you're unable to work.

✔ Peace of Mind – Reduces financial stress for you and your loved ones.

✔ Medical Treatments – Helps fund therapies and treatments not covered by other insurance.

Before choosing a policy, review the terms and definitions of "total and permanent disability" to ensure you get the right protection.

Income Protection insurance provides a regular income if you’re unable to work due to illness, injury, or disability, helping you stay financially stable.

Why Consider Income Protection?

✔ Income Replacement – Covers living expenses, bills, and financial commitments.

✔ Long-Term Security – Provides benefits until you recover or the policy term ends.

✔ Essential for Self-Employed – Acts as a safety net if you don’t have sick leave.

✔ Covers Ongoing Expenses – Helps with medical bills, mortgage, or rent.

✔ Peace of Mind – Reduces financial stress so you can focus on recovery.

✔ Flexible Options – Choose your waiting and benefit periods to suit your needs.

✔ Tax Deductible – Premiums may be tax-deductible, making cover more affordable.

✔ Rehabilitation Support – Some policies include services to help you return to work.

Review policy terms carefully, including waiting periods, benefit limits, and exclusions, to ensure you get the right protection for your needs.

Trauma insurance provides a lump sum payment if you're diagnosed with a serious illness or injury, such as a heart attack, stroke, or cancer. This financial support helps you focus on recovery without the added stress of money worries.

Why Consider Trauma Insurance?

✔ Covers Medical Expenses – Helps pay for treatments, surgeries, and therapies not fully covered by healthcare.

✔ Income Replacement – Provides financial support if you need time off work or can’t return.

✔ Maintains Quality of Life – Supports daily living costs and additional care needs.

✔ Flexible Use – Use the payout however you choose, cover expenses, reduce debts, or invest for future security.

By 2040, it is estimated that 1.9 million Australians will be living with or beyond cancer, it’s a crucial safety net. While premiums can be higher, the peace of mind and financial protection it offers can be invaluable.

Protect Your Business from Unexpected Loss

Key Person Insurance provides financial protection for businesses in case a crucial team member passes away or becomes unable to work due to illness or injury. The lump sum payout may help cover lost revenue, recruitment costs, and other financial impacts.

Why Your Business Needs Key Person Insurance

✔ Safeguard Revenue & Profits – Protect against financial losses if a key team member is no longer able to contribute.

✔ Cover Recruitment & Training Costs – Ensure smooth business continuity by funding replacements.

✔ Protect Business Loans & Credit Rating – Maintain financial stability in difficult times.

✔ Offset Loss of Goodwill & Suppliers – Minimise disruptions caused by the loss of a crucial business figure.

Who Is a Key Person?

A key person is anyone whose skills, knowledge, or leadership are vital to the company, such as owners, directors, sales leaders, or specialised employees.

Types of Key Person Cover

• Life Insurance – Covers death of a key person.

• TPD Insurance – Pays out if they become totally and permanently disabled.

• Trauma Insurance – Covers serious conditions like heart attacks, strokes, or cancer.

A Buy/Sell Arrangement is a legally binding contract that enables the smooth transfer of business ownership if a partner dies or suffers a serious illness or injury. This can be funded by insurance, assisting the remaining owners to buy out the departing owner’s share while providing for the deceased/disabled persons loved ones.

How Can Buy/Sell Insurance Assist?

✔ Business Continuity – Prevent disruption by ensuring ownership stays within the business.

✔ Fair Compensation – Provide financial security for the departing owner or their family.

✔ Prevents Disputes – Reduce the risk of legal battles over valuation and ownership.

✔ Avoids Third-Party Sales – Stop unwanted external buyers from acquiring shares.

Types of Cover

• Life Insurance – Pays out if a business partner passes away.

• TPD Insurance – Provides funds if a partner becomes totally and permanently disabled.

• Trauma Insurance – Covers serious illnesses like heart attack, stroke, or cancer.