Personal Insurance

Income Protection

provides a monthly income benefit that pays 75% of your taxable income in the event that you suffer an illness or injury that prevents you from working. It will cover your mortgage, bills and put food on the table until you get back to work and is even tax deductible

Total & Permanent Disability

provides a lump sum in the event of total and permanent disablement where the person is unable to work again due to a disability. It is used to clear out debts, provide for medical costs and equipment and ensure your quality of lifestyle.

Trauma Insurance

provides a lump sum benefit is payable at the time of diagnosis of up to 45 major medical conditions such as cancer, stroke and heart attack (depending on insurer). This is regardless if the life insured returns to work or not. The payment helps out with financial burdens when a major condition occurs. The benefits can be used to assist with debts, home and vehicle modifications, medical expenses, care, rehabilitation and ongoing income needs.

Business Expenses Insurance

provides a monthly payment to reimburse the regular fixed operating expenses of your business in the event you’re unable to work due to sickness or injury. Business expense insurance covers fixed business costs such as office rent, leases on cars, utility bills, salaries and security costs.

Stepped Vs Level Premium

A Stepped premium is increased yearly and recalculated on your birthday anniversary. So it will be cheaper to start off with and the price will increase over time. A Level premium is calculated on an average premium and the price stays the same throughout the life of the policy. So you pay more now and pay less as you get older

Income Protection

Provides a monthly income benefit that pays 75% of your taxable income in the event that you suffer an illness or injury that prevents you from working. It will cover your mortgage, bills and put food on the table until you get back to work and is even tax deductible.

Permanent Disability

Provides a lump sum in the event of total and permanent disablement where the person is unable to work again due to a disability. It is used to clear out debts, provide for medical costs and equipment and ensure your quality of lifestyle.

Trauma Insurance

Provides a lump sum benefit is payable at the time of diagnosis of up to 45 major medical conditions such as cancer, stroke and heart attack (depending on insurer). This is regardless if the life insured returns to work or not. The payment helps out with financial burdens when a major condition occurs. The benefits can be used to assist with debts, home and vehicle modifications, medical expenses, care, rehabilitation and ongoing income needs.