Have you considered what will happen if you become disabled or die? How will your family pay the mortgage, the food bills, or rent?

There are many different products we can tailor to suit your specific needs which offer a wide range of cover including

Life cover:

Pays a lump sum to your estate in the event of your death

TPD cover:

Cover for if you become totally and permanently disabled

Trauma cover:

Cover in the event you suffer a listed trauma.

Income protection insurance:

Protects you against loss of income.

Accident cover:

• Accidental death
• Total or partial permanent loss of limbs, sight or hearing
• A capital benefit for temporary or permanent incapacity to perform any occupation for at least one year
• A weekly benefit if the insured person is incapable of carrying out all or some of the usual duties of the insured person’s usual occupation.

Illness cover:

• A weekly benefit for total incapacity to carry out duties of the insured person’s usual occupation for 7 days or more (depending on excess)
• A capital benefit if the insured person becomes totally and incurably blind or completely and permanently paralysed in any two limbs

Business expenses cover:

Cover for your business expenses if you are unable to work due to injury or illness.

Have you considered what will happen if you have a medical emergency overseas? Did you know travel insurance can waive the excess payable on your car hire?

Travel Insurance:

Covers you for almost any mishap that could occur when traveling. It also provides access to our 24-hour, Worldwide Emergency Hotline.

Cover includes:

• Overseas medical, dental and additional expenses
• Resumption of overseas journey
• Return of hire car and excess waiver
• Cancellation
• Luggage and travel documents
• Accidental death, disability and loss of income
• Liability

This insurance is designed to cover Australian companies when executives or employees travel for business purposes. A comprehensive policy, it provides cover for almost any mishap that could occur when travelling. It can meet the needs of companies whose staff travel involves only a few times a year, to those who clock up hundreds of journeys annually.

Benefits include:

• Overseas Medical, Dental and additional Expenses
• Resumption of Overseas Journey
• Hire Car Excess Waiver
• Cancellation
• Luggage and Travel Documents
• Accidental death, disability and loss of income
• Liability
• Extra Territorial Worker Compensation.

Voluntary Workers Personal Accident:

This policy has been designed to provide income protection to people who are injured while performing voluntary work.

The policy is usually arranged by the organisation for which the volunteer performs work, but the benefits, should an injury occur, are paid to the volunteer worker.

The amounts for the benefits can be negotiated prior to cover being taken out.

The cover selected can include:

• Accidental death
• Total or partial permanent loss of limbs, sight or hearing
• A capital benefit for temporary or permanent incapacity to perform any occupation for at least one year
• A weekly benefit if the insured person is incapable of carrying out all or some of the usual duties of the insured person’s usual occupation.