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Types of insurance offered

Life Insurance

Provides a lump sum payment to a beneficiary, third party or an estate in event of death. It would also be normal for all or part of the benefit to be paid should the diagnoses be one of terminal illness.

Trauma Insurance

This provides a lump sum payment in the event of you being diagnosed with one of a specified range of critical illness or injuries. The list of conditions covered is often optional and varies between companies, as do the definitions of those conditions. The benefit can be provided as either an advance payment of a death benefit or on a stand-alone basis.

Income Protection

Income Protection provides you with a regular source of income should you be unable to work for a period due to injury or illness. You can generally insure for up to 75% of your normal income and there are a number of options available relating to waiting periods and benefit periods.

Business Succession Insurance / Buy / Sell Insurance

This covers a business for the costs associated with the departure of a co-owner / partner by either death and / or illness. This is one of the most insurance covers any business owner that is engaged in business with a partner/s. It make certain that the business continues to operate on its own terms rather than be forced into accepting terms from a deceased partners estate.

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