Protection FOR YOU AND YOUR FAMILY

We offer a range of insurance products designed to provide financial protection and security to individuals and families. We work with various insurance providers to offer comprehensive coverage tailored to our clients' needs. Here are some common protection insurance products that we offer:

1. Life Insurance: Life insurance provides a lump sum payment or a monthly income up to retirement to the insured's beneficiaries upon their death. It helps protect loved ones from financial hardship by covering expenses such as mortgage repayments, living costs, and educational expenses. Life insurance policies can be term-based, providing coverage for a specific period, or whole-of-life, providing coverage for the insured's lifetime.

2. Critical Illness Cover: Critical illness cover pays out a lump sum or a monthly income up to retirement if the insured is diagnosed with a specified critical illness listed in the policy. This financial support can be used to cover medical expenses, lifestyle adjustments, or other financial obligations during a challenging period. Critical illness policies typically cover conditions such as cancer, heart attack, stroke, and major organ transplant.

3. Income Protection Insurance: Income protection insurance is designed to provide a replacement income or cover the full mortgage payment if the insured is unable to work due to illness, injury, or disability. It ensures that individuals can maintain their lifestyle and meet financial commitments during periods of incapacity. Income protection policies usually pay a percentage of the insured's regular income until they can return to work or reach retirement age or for full mortgage payment cover, for the remaining term of the mortgage.

These are some of the protection insurance products that we can offer. We assess our client's needs, provide expert advice, and source policies from various insurance providers to ensure clients have the appropriate coverage to safeguard their financial well-being and protect against unforeseen circumstances.

 This information is a summary only. You will receive a full policy document upon application. This policy will set out the terms, conditions and limitations of cover provided under the plan. 

AS WITH ALL INSURANCE POLICIES, CONDITIONS AND EXCLUSIONS WILL APPLY

THE COST OF THIS INSURANCE DEPENDS ON SEVERAL FACTORS, SUCH AS YOUR AGE, WHERE YOU LIVE AND YOUR OCCUPATION. AS A RESULT, THE COST YOU WILL PAY IS BASED ON YOUR OWN CIRCUMSTANCES.