Understanding your Financial Risk Profile
Is this you?
Is this you? | How we can protect you |
A Business owner? We can provide cover to protect the business you have worked so hard to build. | Income Protection Buy / Sell Life Insurance Key Man Critical Illness Business Expense TPD |
A Young single with no dependents, short-term debt and starting a career? We can provide cover to protect your income and independence. | Income Protection Critical Illness TPD |
A Young couple with a career, mortgage or long-term debt? We can provide cover to protect your income and home. | Income Protection Life Insurance Critical Illness TPD |
A Young family with a career, mortgage or long-term debt and dependent children? We can provide cover to protect your family, lifestyle, ability to pay bills and cover debts. | Income Protection Life Insurance Critical Illness TPD |
An Established family with a career, the need to reduce your mortgage, plan for retirement and increase your assets? We can provide cover to protect your lifestyle that you have worked so hard to build. | Income Protection Life Insurance Critical Illness TPD |
A Mature single with a career, we can provide cover to protect your lifestyle, ability to pay bills and cover debts. | Income Protection Critical Illness |
Personal Insurance: You don't want to contemplate that you will ever really need it, let alone discuss it. Think about it as an investment in the same way that you protect your home and car.
Many people wouldn’t think twice about insuring the full value of their car or home. But when it comes to life insurance, 60% of families with dependent children do not have enough insurance to cover household expenses for a year if the family breadwinner was to die.
Personal Insurance is protection for your lifestyle and your independence.
You have the flexibility of choosing the lifestyle insurance to suit the stage you are at - it might be mortgage repayments, a new baby, marriage or older children and their school fees, to think of a few. It might even be a combination of all four!
INCOME PROTECTION | TRAUMA | TERM LIFE | TOTAL AND PERMENANT DISABILITY | |
What is it?
| Payable if you are unable to work at full capacity or at all due to sickness or injury | Payable if you suffer a specified medical condition eg: (Heart Attack/Cancer/Stroke) | Payable on your death/ terminal illness | Payable where you are unable to ever work again due to sickness or injury |
When do I need it?
| If you would find it difficult to maintain your lifestyle without your regular income | If you would like the security of payment in the event you suffer from a debilitating medical condition | If you have any debts and/or dependents | If you have any debts and/or dependents |
Payment type
| Monthly replacement of income up to 75% / or communication to lump sum | Lump sum | Lump sum | Lump sum |
