Personal Insurance
Life is full of unexpected twists and turns. Sometimes we face situations that can have a significant impact on our financial stability. Insurance offers a vital safety net, ensuring that you and your loved ones are protected against life's uncertainties.
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Understanding Insurance
Insurance policies are designed to provide financial protection in the face of life's challenges. These policies cover a range of circumstances, ensuring you and your family have the support you need when it matters most. We have a range of insurance options available to suit your needs.
Life
Life Insurance pays a lump sum of money if you pass away or become terminally ill. It is designed to help your family pay costs that you would have helped with if you were still alive.
Trauma
Recovering from a serious illness, injury or medical procedure takes time. Trauma Insurance provides you with a lump sum payment to help financially while you recover.
TPD
Disablement is life changing. Total and Permanent Disablement Insurance can provide a financial injection to help make lifestyle changes if you become totally and permanently disabled due to sickness or injury.
Disability
Your income is often your biggest asset and losing it can turn life upside down. If you’re unable to work—either temporarily or permanently—because you’re sick or injured, Income Protection Insurance will provide you with money to live on as a monthly payment while you’re not receiving your salary or wage.
Medical
Health insurance helps you access private medical care, reduces waiting times, and ensures you receive optimal treatment options
Key Employee Insurance
Many employers have workers whose skills, knowledge, and experience are vital to the company’s success — and whose death would cause financial loss for the business. Key employee life insurance protects businesses against the untimely death or disability of a vital staff member. The business purchases the policy and receives the proceeds in the event of the insured employee’s death.
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The Importance of Personal Insurances
Having the right personal insurances in place can make a world of difference in your financial security. There are many compelling reasons to consider these policies.
Protect Your Loved Ones
Life insurance ensures your family is financially secure in your absence, allowing them to maintain their quality of life.
Income Replacement
Income protection insurance and mortgage protection insurance provide financial stability during unexpected events, so you can focus on your recovery without worrying about bills.
Critical Illness Coverage
Trauma insurance and TPD insurance can provide much-needed funds for medical treatments, lifestyle adjustments, and additional support during critical illnesses or disabilities.
Healthcare Access
Health insurance grants you access to timely and high-quality medical care, reducing the burden on the public healthcare system.
Every individual / family’s circumstances are unique, so it's crucial to customise your personal insurances to meet your specific needs. Our financial planning experts can help you assess your situation and recommend the right coverage for you. Factors to consider include:
Family Size — Your insurance needs may change with the addition of dependants or significant life events.
Income and Expenses — Evaluate your current financial commitments to determine the amount of coverage required.
Occupation and Health — Consider your occupation and health status when choosing income protection and health insurance policies.
Financial Goals — Align your insurance with your financial goals, such as paying off your mortgage or building a nest egg for retirement.
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Book a Free Consultation
Our Advisers offer a safe space to discuss your future plans before delivering a Financial Roadmap to help you achieve them.