If you need assistance with your personal insurances, such as life, medical, income protection insurances we can help.
We are specialists in personal insurance and have access to all the major insurers which ensures the best outcome at claim time.
Our advice is easy to understand, impartial, and is aimed to give you the maximum benefit, whilst maintaining affordability in line with any budgetary constraints.
Life cover provides a lump sum payment in the event of death. This lump sum can help reduce debt, pay for final expenses, create an investment fund to generate ongoing income, enable business ownership to be restructured or provide an inheritance or donation, amongst other things. The purpose of the funds is entirely yours to decide.
This policy provides for a monthly sum to be paid to the beneficiary of a life insurance policy over a specified time frame rather than paid out in a lump sum.
Rarely sold as one must die instantly for the policy to respond. It is far better for everyone to have full life insurance. Meaning it does not matter how one dies the policy will respond even for suicide after the policy has been in place of 13 months.
Trauma cover provides a lump sum payment should you suffer one of the covered conditions. Covered conditions are by nature serious and potentially life threatening and, as a result, can have a significant financial impact. Trauma cover is designed to help alleviate this financial impact. The lump sum can help reduce debt, purchase specialised equipment, pay for home modifications, provide additional care, create an investment fund to generate ongoing income or enable business ownership to be restructured, amongst other things. The purpose of the funds is entirely yours to decide.
Private medical cover provides the funding to enable you to have private hospital treatment whenever you require more immediate access or a broader range of treatment options than are available to you through the public health system.
Premium cover provides a financial safety net should you suffer a total or partial disability lasting longer than the chosen waiting period. The monthly benefit is designed to relieve you of the financial responsibility of paying your policy premium during treatment and recovery until you are able to return to work full time. [Please note: Waiver of Premium cover is compulsory with income protection but can also be an add-on benefit with a medical insurance policy for a small monthly fee.]
Mortgage repayment cover provides a financial safety net should you suffer a total or partial disability which causes a reduction in your ability to meet your mortgage repayments. The monthly benefit is designed to cover mortgage repayments on your behalf during treatment and recovery.
TPD cover provides a lump sum payment should you completely lose your ability to ever work again (or carry on your normal tasks, if you are not employed), as a result of illness or injury.
TPD cover is designed to help alleviate the significant financial impact that losing an income forever would likely cause. The lump sum can help reduce debt, purchase specialised equipment, pay for home modifications, provide additional care, create an investment fund to generate ongoing income or to enable business ownership to be restructured, amongst other things.
The purpose of the funds is entirely yours to decide.
Succeeding in business is challenging enough, without having to worry about the consequences of illness, injury or death. Loss of a key person – permanently or temporarily – could have a dramatic effect on your business. Insurance is your back-up plan!
Key person protection injects cash into your business on the loss of a key person through disablement, suffering a major illness… such as cancer…stroke… heart attack etc, or an untimely death.
If a key person died, or was disabled, would the future profitability of your business be as certain today, as it was yesterday? A key person is someone whom the business relies upon for cash flow, market share, expertise, contacts, knowledge and experience etc.
If this person were not there, or was unable to perform their normal duties, the profitability of the company would be dramatically impacted.
The death or disablement of a key person could impact the business in a number of ways:
If your business partner, or a major shareholder died last week, who would you be in business with today – their spouse? their children? an accountant? a lawyer – a total stranger? Running a business is demanding enough when you’re all alive and healthy.
Continuity of the business enterprise is at risk in the event of an untimely death or serious disablement of a shareholder.
Do you want to be in business with “Your deceased partner’s widow’s second husband’s lawyer”?
An Insurance funded Buy/Sell Agreement is a means of creating cash exactly when required for the ongoing shareholder to purchase a deceased or seriously disabled shareholder’s interest in the business. A Buy/Sell Agreement ensures that the cash is used as intended. The document can include an agreed price, or how the price is to be determined.
Shareholder/partnership protection is designed to provide a predictable outcome in the event of a crisis, and the smooth handover of control and ownership, on the death or disablement of a shareholder.
We create amazing experiences for our clients. Want to try us?
