Personal Life Insurance

Specialist advice & unrivalled service

We thoroughly assess your Life Insurance requirements

Working in conjuction with Steadfast Life, we take the time to thoroughly and realistically assess your circumstances and budget.

Personal Protection

This provides protection for you and your family’s personal needs. The insurance can be structured to provide for such things as the repayment of debt upon death or disability, financial assistance for dependants and protection against the loss of income. Personal insurance provides protection against sickness, injury and death and includes:

Life Insurance

Life Insurance provides a lump sum payment to a nominated beneficiary in the event of death. Life Insurance is the most common form of personal insurance. The concept of the cover ensures that one’s family is not disadvantaged financially should the life insured not be around to provide ongoing support.

Total & Permanent Disability (TPD) Insurance

This cover is designed to provide a lump sum if the insured is diagnosed as being unable to work again due to sickness or injury. The benefit can be used to cover medical costs, make necessary renovations/alterations to one’s home or supplement personal income.

Trauma Illness Insurance

Trauma (or Critical Illness) Insurance provides a cash lump sum upon diagnosis of a specified illness or injury. Critical Illness cover is designed to help with the financial impacts of a trauma or crisis, such as heart attack, stroke, cancer or other life threatening condition. The benefit paid by a trauma policy can be used to fund the best medical treatment available, subsidise personal income or alleviate debt.

Income Protection

Income Protection Insurance (also known as Salary Continuance) is designed to replace a portion of the insured’s income (normally 75%) in the event of being unable to work due to sickness or injury.

Income Protection Insurance is essential for anyone who relies on their salary to meet financial obligations and commitments. Benefits periods can be from 2 years or they can be paid up to age 70. The premiums paid for Income Protection Insurance are usually personally tax deductable.