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 Every working Australian has a 1 in 3 chance of becoming disabled for more than 3 months before turning 65 years old. 

Source: Institute of Actuaries of Australia, 2006.

Consider

  • Today’s kids are tomorrow’s future who’s going to look after them when you’re not around?
  • Who will pay the bills if you can’t earn an income?
  • You insure for risk against your personal assets, why aren’t you protecting your family?

 

Risk

Income Protection Insurance

Helps you to meet your financial commitments by providing regular payments if you are unable to work due to injury or sickness. Income Protection allows you to continue to pay for your ongoing living expenses like; petrol, food, electricity, school fees, loan repayments plus many more everyday expenses. These regular payments provide you with a safety net to maintain an income flow until you can return work*.

*Please note that there is a choice of waiting period and benefit period for this product. The benefit period is the maximum period of time for which benefits will be paid.

Life Insurance

Helps to protect your family by providing a lump sum benefit on death or Terminal Illness. It offers you peace of mind knowing you can provide your family with financial support when they need it most.

In Australia there is a death every 3 minutes and 56 seconds

Source: Australian Bureau of Statistics, 2006.

Total and Permanent Disablement Insurance

If sickness or injury leaves you totally and permanently disabled, this cover provides you with a lump sum payment. This lump sum benefit may assist with modifications to your home, ongoing medical expenses and ongoing living expenses.

Life Insurance statistics say at the age of 35 you are 10 times more likely to be disabled from an illness or injury than you are to die from it

Source: Health Matters Consumer Guide, 2003.

Trauma Insurance

If you suffer a serious medical condition such as cancer, stroke or heart attack, Trauma Insurance may alleviate the financial pressure during this stressful time by paying you a lump sum benefit. This payment may assist with medical expenses, ongoing living expenses and medical care required during this time.

On average 1 in 3 men and 1 in 4 woman are likely to suffer some form of cancer during their lifetime

Source: Australian Institute of Health and Welfare, 2004.