Life For a tiny fraction of the cost, money required to repay mortgages, pay for school fees, provide ongoing income and exit businesses profitability, is made available to pay for all if this if you died and had life insurance. With this, you guarantee your family’s financial future.
Total & Permanent Disability Insurance
What if you had a serious accident or illness which prevented you from working again or running your business. Would you need money to repay any debts and pay for expensive medicals and equipment. If so you should consider total and permanent disability insurance.
Key Person Insurance & Buy Sell Business owners are the life and blood of their business. Without you, or another key person, the business may not be as profitable or survive. Key Person Insurance provides the business with much-required money to keep it profitable. Most business owners have not fully accounted for what their time and skill is worth to their business.
Not being aware and adequately insured can lead to insolvency and bankruptcy. Lifestyle Solutions Why should your lifestyle slow you down? We understand that some people enjoy life and this includes recreational activities like motorcycle riding (road, track and trail), snow skiing, snowboarding, horse riding, surfing and many more.
We will work with you so you can maintain your lifestyle safe in the knowledge you are covered.
Trauma & Critical Illness Insurance
Paid as a lump sum if you are diagnosed with a serious or critical illness like Heart Attack, Cancer, Stroke, Body organ dysfunction, loss of hearing and loss of sight etc. There are more than 40 conditions covered. There is no work assessment necessary. This insurance is mostly used to pay for expensive treatments and specialist consultations not covered by private health insurance and government subsidised medications.
Without ongoing income our clients would not be able to pay for their families living costs and fixed financial commitment like mortgages and car loans. You would have to depend on any savings that you have or borrow money from family and friends.
Ensures that be it a temporary or a permanent situation and you can’t work, you will be guaranteed an income stream. This is different to Total & Permanent Disability Insurance in that you do not need to be totally disabled to get the money. Income insurance pays sooner in most situations.