Life insurance provides a lump sum payment to your beneficiaries if you pass away, helping to cover debts, mortgage repayments, education costs, and everyday living expenses. It’s essential for anyone with dependents or significant financial commitments, ensuring your family’s financial future remains secure even in your absence.

TPD insurance pays out a lump sum if you become permanently disabled and are unable to work. This cover is crucial for protecting your lifestyle and providing financial support during life-altering events. It is particularly valuable for those with ongoing financial responsibilities, ensuring that the costs of rehabilitation, modifications, or other life adjustments are managed.

Income protection insurance provides regular benefit payments if you’re temporarily unable to work due to illness or injury. Unlike TPD, which pays a lump sum for permanent disability, income protection is designed to replace a portion of your income during periods of recovery, helping you meet ongoing expenses and maintain your standard of living until you can return to work.

Trauma insurance offers a lump sum payout if you are diagnosed with a critical illness or suffer a severe injury, such as a heart attack, stroke, or cancer. This financial support can help cover treatment costs, rehabilitation, and any lifestyle adjustments required during recovery, ensuring you can focus on regaining your health without the added stress of financial burden.

The amount of cover you require depends on your personal financial situation, outstanding debts, living expenses, and future financial goals. A tailored assessment from our advisers will help you determine the right level of cover to protect your family’s lifestyle and ensure long-term financial security.

Premium costs are influenced by various factors including your age, health, lifestyle, occupation, and the amount and type of cover you choose. Our expert advisers will evaluate these factors during your pre-assessment to ensure you receive competitive rates tailored to your circumstances.

Yes, many insurers offer bundled solutions that include life, TPD, trauma, and income protection cover. Bundling can provide cost savings and simplify your policy management. We can help you evaluate these options to determine if a combined policy is the best fit for your financial needs.

While superannuation is designed to build your retirement savings, life insurance is specifically aimed at providing immediate financial security to your family in the event of your death. Superannuation funds often have restrictions on access and may not offer the comprehensive, immediate support that dedicated life insurance can provide.

The waiting period is the time you must be off work before your benefits begin—this can range from 30 days to several months. The benefit period is the duration for which you receive payments, which can vary from two years to until you reach retirement age. Tailoring these periods ensures the policy meets your financial requirements during recovery.

If you need to make a claim, contact your insurer immediately and gather all relevant documentation, such as medical reports and employment records. Our advisers will guide you through the entire claims process, ensuring that you meet all requirements and receive the full benefits you’re entitled to with minimal stress.