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Risk Protection

No one knows what is round the next bend, but we can help protect against uncertanties.

Most of us don't hesitate to insure our car, house and valuable possessions. However, we often neglect to insure the most valuable asset, ourselves. In times of need, personal cover can assist with your day to day financial commitments (mortgage repayments, living expenses). It also gives you the important flexability assist your with emotional and physical recovery. 

Would you like to have the peace of mind, knowing that should a tragic event such as injury or death occur to you that your family would be protected?

We can help you to have this peice of mind.

There are five areas of personal insurance that we specalise in.

Life Insurance - This isurance cover pays a lump sum should the person insured unexpectedly pass away. 

Total & Permanent Disability -  The Sum Insured is payable on the total & permanent disability of the Life Insured  

Trauma Insurance The Sum Insured is payable on the diagnosis of a number of critical illnesses including heart attack, cancer, stroke and coronary artery surgery  

Income Protection – The monthly benefit is payable if the Life Insured is disabled because of Illness or injury for a consecutive number of days exceeding the waiting period

Business Expenses – The monthly benefit is payable if the Life Insured is disabled to meet on-going and approved business expenses  We have access to all insurance companies and are truly able to select cover that is a best match for your personal needs. 

How would your life change if you had a sporting or work injury or if you were diagnosed with cancer?

Did you know?

  • 50,000 Australians have heart attacks every year.

  •   One third of women and a quarter of all men will suffer cancer at some stage in their lifetime –over 60% of whom will live for longer than five years after diagnosis.

  •  43,000 people died from cancer in 2010.

  • 70% of small business people are doing business without income protection (even though it’s tax deductible).

  • Over 1600 people die on Australian roads every year, the majority of whom are aged between 26 - 59 years.

  • There is a one in three chance you will need to be off work for three months due to illness or injury before you turn 65 

Speak to us to find out how we can help you to put int place protections for you and your loved ones.