Insurance

Peace of mind for you and your loved ones

You've worked hard to build your assets and to provide for those who depend on you. The result of all your effort is well worth protecting.

When you take out life insurance, you have security for your loved ones should you unexpectedly die, become disabled or suffer a medical crisis (such as heart attack, cancer or a stroke).

For your Family

Life insurance is important for all that means the most to you: your family, your partner and their financial security.

It's a simple, inexpensive precaution to take against your unexpected death, a medical crisis or total and permanent disablement.

You can have peace of mind knowing that in the event of your death, those who depend on you will not be financially disadvantaged with the burden of maintaining living standards.

Also, if you suffer a medical crisis or are totally disabled, not only are you faced with loss of income, but with medical expenses. Trauma cover and/or total and permanent disablement can be included in your insurance, which will provide you with a lump sum should either of these events occur. This payment could be used to help pay your debts or be invested to provide an income to help you maintain your standard of living.

For your Business

Life insurance for key staff is also important for businesses. Every successful business has one or more people whose skills and knowledge are vital to the ability of that business to survive and make a profit. However, in the event of a death, medical crisis or total and permanent disablement of such a key person, the financial loss to that business can be devastating.

Basically, the business insures the lives of its key personnel against the loss of revenue and extraordinary costs resulting from the above circumstances. These costs could include the need for temporary staff, training costs for new staff, loss of expertise and missed business opportunities, all of which could lead to reduced profits.

Why Term Life Insurance?

Term life insurance is designed to provide security and peace of mind for you and your family. The unexpected loss of a loved one is a terrible tragedy. The purpose of term life insurance is to prevent or reduce additional burden of financial hardship for those who depend on you. It pays a lump sum to help cater for expenses like the mortgage, car payments, school fees and living expenses.

Why Income Protection Insurance?

People tend to insure valuable things that would be hard to replace, like their house or their car. But even more valuable to most people is their income - the source of all the payments that support their life and lifestyle. Income protection insurance allows you to continue to receive an income stream should be unable to work because of illness or injury.

Why Recovery Insurance?

Medical science is constantly seeking new treatments for cancer, cardiovascular disease and other serious illnesses. Many people recover and live normal lives after these traumas, but the expense of treatment and the loss of income during such debilitating illness can be distressing. Recovery insurance provides a lump sum payment to help meet the everyday and extraordinary expenses that follow a range of serious illnesses.