Understanding Insurance

Choosing the right type and the right amount of insurance can help to make sure that if anything were to happen, you and your loved ones would be looked after financially. But remember, as your life changes so do your insurance needs. Holding a mortgage, having children and getting married are all factors that increase your financial responsibilities. So you’ll need to review your cover as your situation changes.

Further down this page you can learn more about Life Cover, Income Protection, Trauma Cover, and Total and Permanent Disablement.

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Should something ever happen to you, personal insurance is there to provide financial security for you and your family.

Choosing the right insurance

Choosing the right type and the right amount of insurance is a good way to make sure that if anything were to happen, you and your loved ones would be looked after financially. There are four types of personal insurance every Australian should understand. These include:

choosing the right insurance

Life Cover: Why you need life insurance

Life insurance, also known as death cover, is especially important for those that have others relying on them, or have large debts like a mortgage. Life insurance provides a lump sum to your beneficiaries if you die.

To find out more about how life insurance could help you, get in touch for a chat or FREE quote, or watch our short video to learn more.

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Income Protection: what would happen if you suddenly couldn't work?

You'd insure your car and your house, so why wouldn’t you insure what might be your most valuable asset - your ability to earn an income?

Have you considered how dependent you and your family may be on your income? Income protection insurance can give you peace of mind that if you were unable to work due to illness or injury, your family and the lifestyle you’ve built can be financially protected. Income protection usually pays a monthly benefit while you're unable to work due to illness or injury.

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Trauma Cover: Why you need trauma insurance

After suffering a traumatic event, trauma cover can relieve your financial worries and let you focus on your recovery.

Trauma cover pays an agreed lump sum if you're diagnosed with a medical condition or undergo a procedure outlined in the plan you take out. This is an ideal complement to Life and Income Protection.

To find out more about how life insurance could help you, get in touch for a chat or FREE quote, or watch our short video to learn more.

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Total and Permanent Disablement: Why you need to be covered

Money is the last thing you’d want to think about when faced with a lifelong disability.

But if you were to become disabled and unable to work again, TPD cover provides you with a lump sum payment to help you financially. Sometimes this type of cover is built in to a trauma insurance policy.

To find out more about how TPD cover could help you, get in touch for a chat or FREE quote, or watch our short video to learn more.

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Protection against life's uncertainties is sensible financial management.

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