Your risk management plan

It is essential that you protect yourself against catastrophic risks such as death, disability or dread disease, particularly if you have people who depend on you in general or in business.

We help you to assess the full impact of various life-changing events on your family and/or business.

Income Protection

If you are unable to work for a prolonged period due to ill health or disability and you do not have another source of income, you generally will need an income protection policy. Income Protection allows you to maintain your lifestyle so that you can concentrate on getting back to good health. Income protection insurance pays you a percentage of your salary as a monthly benefit to cover your expenses should you be unable to work.

Life Insurance

If you have a family or others who depend on you to produce an income or have debt that you want to be repaid in the event of your death, you are likely to need life insurance. Life Insurance provides a lump sum payment directly to your nominated beneficiaries upon your death.

Permanent Disability

If you were to become injured or permanently disabled and are unable to work again in your chosen profession, you would need to support yourself and be able to afford the medical expenses associated with living with your condition. Total and Permanent Disability is an added protection benefit often offered with life insurance policies. It pays out a lump sum to cover you if you are unable to work again due to a disability.

Critical Illness

Critical Illness was introduced due to medical advances that have increased our survival rate after serious medical conditions such as a heart attack, stroke or cancer. Critical Illness offers protection by providing a lump sum payment if you are diagnosed with a specified medical condition. This cover can ease the financial impact of a critical illness on your lifestyle.