Insurances

Life Assurance

At a glance:
A cash lump sum payable on death.
The policy comes with some important benefits at no additional cost. You can also add one or more optional benefits for which you will pay an additional premium.

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Income Protection Cover

At a glance:
Your ability to earn an income is your most important asset
If a disability prevents you from working, have you protected your earning power? This policy provides a replacement income of up to 75% of your pre-disability earnings.
The policy comes with many important benefits at no additional cost. You can also add one or more optional benefits for which you will pay an additional premium.
We aim to help you get “back on your feet” as fast as possible, so this policy includes a range of recovery and rehabilitation benefits.

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Mortgage Protection

At a glance:

Working when you can’t.

Mortgage protector can be a combination of:

Lump sum cover (in case of death, serious illness or permanent disability)
Regular monthly payments when you are unable to work due to sickness or injury.
Available for residential and investment properties as well as tenants to ensure their rental payments.
Regular monthly payments for redundancy are available as an optional benefit.
Additional cover can be included on completion of a full application if required.

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Life Care Cover

At a glance:
Life Care is an accelerated trauma product and must be purchased with an equivalent amount of life assurance
Designed to provide continued protection for separate critical illnesses
Provision for up to five life care claims with 20% of the total sum assured payable per claim
A stand-down period of six months applies between claims for the same condition (note: 12 months for loss of independent existence. New claims for the same condition must be a separate event).
$500,000 life care cover has a similar cost to $115,000 accelerated trauma cover.

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Trauma Cover

At a glance:
Trauma cover will sum if you suffer from one of a number of critical illnesses and conditions
This benefit is available either in conjunction with Life Assurance Cover, where a claim will reduce the life cover or on its own (standalone benefit)

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