Do I Need Income Protection Insurance? If you or your loved ones would suffer if you could not work, then you should seriously consider income protection insurance. Unless you have some form of reliable ‘passive income’, income protection insurance is a critical component of a personal financial plan. How Do I Arrange It? The best […]

Life Insurance is quite simple. You take out a policy and the insurer agrees to pay your loved ones a lump sum if you die during the term of the policy. How It Works You nominate the person/s who you want to receive money and the insurer makes a payment to them. In some cases, […]

The concept of Total and Permanent Disability Insurance (TDP) is quite simple. You take out a policy and the insurer agrees to pay you a lump sum if you become injured or ill and are permanently unable to work. You can insure for your ‘own’ occupation or for ‘any’ occupation. How It Works TPD insurance […]

The concept of trauma insurance is quite simple. You take out a policy and the insurer agrees to pay you a lump sum if you experience a specified illness or injury. How it Works Trauma insurance is often taken out in conjunction with TPD and term life cover, which pays your loved ones if you […]