There is a wide range of different types of insurance available, yet it makes sense to only have cover you need. Your needs will vary according to your circumstances and life stage. So it’s important to always have the type (and level) of cover in place that suits you and your family.
Let’s take a look at what’s on offer.
Cover for the assets you own
Your physical assets – your home, investment property, car and even jewellery, are all worth protecting, and there is a variety of insurance products available to cover these assets. We can explain the most suitable policy for your needs, along with strategies to save on premiums.
Cover to protect you and your family
In addition to insurance for your possessions, it is also worth taking out cover to protect against the financial impact of serious personal loss, illness and injury.
- Life insurance protects the people who matter to you by providing a lump sum payout if you pass away. This can allow your family to enjoy a good standard of living free from financial hardship.
- Income protection insurance provides a regular source of income usually equal to 70-80% of your regular income if you can’t work because of illness or injury.
- Trauma cover pays a benefit if you experience a major physical trauma like a heart attack or stroke.
- If you will never work again due to a permanent disability, a type of insurance called total and permanent (TPD) cover, offers a lump sum benefit that gives you the financial freedom to focus on receiving quality medical care.
What’s right for you?
The key to being well-insured is to have in place only cover that you need – and at the right levels.
We invest time understanding your circumstances, to recommend the cover that is right for you. It means financial peace of mind without wasting money on insurance that doesn’t match your circumstances.