Term Life Insurance - provides a lump sum payment upon a person's death. It is often used so that family household debt can be cleared if a parent dies prematurely.
Total & Permanent Disablement Insurance - provides a lump sum in the event that a person is totally and permanently disabled. The lump sum is useful to cover debts, ongoing medical expenses and home modifications.
Trauma Insurance - pays a lump sum if a person is diagnosed as suffering from one of many defined medical condition. A policy can cover up to 45 medical events, with the major ones being cancer, stroke and heart attack.
Income Protection Insurance - will provide a monthly income if a person is unable to work due to a serious sickness, injury or accident. It covers up to 75% of a person's annual salary in the form of a monthly benefit and is flexible by insuring under different waiting and benefit periods.
Business Expenses Insurance - will pay a monthly benefit to assist with the day to day running expenses of a business, like salaries, rent, mortgage, bills, if you are totally or partially disabled and unable to work.
Key Person Insurance - recognises the value and contribution of the 'Key People' in an organisation. In the event of the untimely death or disablement of the Key Person (eg. CEO, Business Partner or Head Research Scientist) the proceeds of the policy may be used to replace the Key Person. It protects a business against the financial hardship that it may incur when experience is lost and also covers the high cost of training and replacing human resources.
Partnership (Buy/Sell) Insurance - puts in place a formal agreement on how business equity is distributed when a partner or shareholder exits the business structure through death or disablement. The plan includes putting in place the necessary valuations, legal agreements and Life Insurance policies.
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