Personal Insurance

We understand that building wealth and achieving your retirement goals are dependent on effective risk mitigation. Life is a mix of positive and negative events and you need to be able to realistically plan for them.

It is important, particularly when undertaking life changes such as purchasing a property, or starting a family, to ensure you have sought appropriate advice for risk protection in respect of unforeseen health events that may impact your family, lifestyle, income and ability to adequately plan for retirement.

An insurance contract is typically the most cost effective way to provide peace of mind that your assets, income, lifestyle and retirement goals are protected in a variety of situations; at a personal or business ownership level.

We can talk to you about the different types of risk protection:

Family protection – life insurance provides financial protection to those you care for most. Should the worst happen, it pays a lump sum benefit to your loved ones.

Income protection – pays up to 75% of your income if you are ill or injured. This money can help you and your family manage your day-to-day living expenses while you recover from an accident or health problem.

Illness protection – pays an agreed lump sum benefit in the event of a listed serious illness. This money can help you survive financially while you focus on recovering and getting back to your everyday life.

Permanent disability protection – provides a  lump sum payment if you become disabled to the point where you are unable to ever work again.

Business protection – the protection you need will depend on the structure of your business and your needs.

Find out what level of cover you need. Contact us today.