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Understanding your Financial Risk Profile

Is this you?

Is this you?How we can protect you
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
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
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
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
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 PROTECTIONTRAUMATERM LIFETOTAL AND PERMENANT DISABILITY
What is it? Payable if you are unable to work at full capacity or at all due to sickness or injuryPayable if you suffer a specified medical condition eg:(Heart Attack/Cancer/Stroke)Payable on your death/ terminal illnessPayable 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 incomeIf you would like the security of payment in the event you suffer from a debilitating medical conditionIf you have any debts and/or dependentsIf you have any debts and/or dependents
Payment type Monthly replacement of income up to 75% / or communication to lump sumLump sumLump sumLump sum