We can advise you and your family on how to protect yourself against the following:
Life Cover
Provides a lump sum payment in the
event of your death (or in some policies
on diagnosis of a terminal illness).
Trauma Cover
Provides a lump sum payment when you suffer for the first time, a defined illness or injury (e.g. cancer, heart attack or stroke).
Income Protection Cover
Protects your income by paying a percentage of your income when you are unable to work for a period of time due to an illness or injury.
TPD (Total and Permanent Disablement)
Provides a lump sum payment if you become totally and permanently disabled.
Health Insurance
Provides for those who don't qualify for immediate treatment in the public system (e.g. some heart surgery or a hip replacement). It gives you access to private health care and funds it.
Mortgage Repayment
Provides payments towards covering your mortgage if you are unable to work due to an illness or injury.
Business Insurance Needs
Cover can also be provided for a business situation and applied in the form of:
• Key Person Cover
• Shareholder Protection
This is illustrated as follows:
