We offer a service to help you explore and compare different types of insurance, including Life Insurance, Total and Permanent Disability (TPD) cover, Income Protection and Trauma insurance. As well as Business Insurance.
We are authorised to provide general advice only. This means we do not consider your personal objectives, financial situation or needs when providing this information. The quotes and information we provide are based on the type and amount of cover you tell us you are interested in.
We do not charge you a separate fee for this service. If you proceed with insurance cover, we may receive commission or other benefits from the insurer. This does not usually result in an additional premium being charged to you, however premiums are set by the insurer and may vary depending on the product, cover selected, underwriting and other relevant factors.
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Please be aware that only General Advice is being offered to you in this situation and that your personal financial objectives have not been taken in to account for this solution. Should you be seeking more Personal Advice relating to your situation please advice your representative now and he/she will make arrangements for Personal Advice that will take in to account your Personal situation.
Please consider the appropriateness of the General Advice being presented to you and assess the factors before acting on it.
You will need to decide the level of cover you require. And whether the product is suitable for your objectives, financial situation or needs. If you require any further information before making a decision, please refer to the relevant Product Disclosure Statement (PDS).
Life Cover - pays a lump sum to beneficiaries if you pass away or are diagnosed with a terminal illness. This benefit helps with the repayment of debts, fund legacies, or provide a capital for ongoing living expenses.
TPD Cover - TPD provides a lump sum if you become permanently disabled due to illness or injury. It helps cover debts, medical expenses, or lifestyle changes.
Trauma Cover - Trauma cover provides a lump sum upon diagnosis of a listed serious medical condition (e.g., cancer, heart attack). Helps cover expenses during recovery.
Income protection - replaces a portion (up to 70%) of your pre-disability income that is lost if illness or injury prevents you from working. Premiums may be tax deductible.
Business Expense Cover - Covers fixed costs and business costs (e.g. rent, staff salaries) if you cannot work due to injury or illness. Premiums may be tax deductible.
Read first to understand the
Premium Structures and Key Policy Features:
What is Stepped (Variable Age-Stepped) vs. Level (Variable)
Stepped Premiums start lower and increase as your age. Level Premiums start higher however the Level Premium increase is lower per year as you age. Your quote will show you a chart of stepped vs. level premiums over time.
Needle stick cover
Provides a lump sum if you contact a blood borne disease from a related injury. Like an accidental needle stick which resulted in contraction of HIV or hepatitis.
Life Cover Buyback (TPD)
Life cover buyback allows life cover to be brought back 12 months after a trauma claim.
Trauma Reinstatement
Trauma reinstatement the ability to reinstate the used link trauma benefit amount after a specific. For example, multiple claimable trauma events from the same policy.
Plus (Trauma)
Plus, trauma additional benefits for specified early-stage conditions (Please refer to insurer PDS for more details)
Specific Injury (Income Protection)
Pays a benefit during the waiting period on the occurrence of a specific injury.
Increasing claim/ Indexation
increasing claim / indexation it shows that a claim amount increases each year as a cost-of-living increases
Life Cover- pays a lump sum to beneficiaries if you pass away or are diagnosed with a terminal illness. This benefit helps with the repayment of debts, fund legacies, or provides capital for ongoing
Insurance Ownership Structure
Variable age stepped premiums or Variable premiums
Stepped Premiums start lower and increase as your age.
Level Premiums start higher however the Level Premium increase is lower per year as you age.
Your quote will show you a chart of stepped vs. level premiums over time.
Insurance Ownsership Structure
TPD Definition- Any or own occupation definitions? Own occupation requires you to be unable to perform your specific job to make a claim, while any occupation requires you to be unable to perform any job.
Income protection - replaces a portion, up to 70%, of your pre-disability income that is lost if illness or injury prevents you from working. Premiums may be tax deductible.
How much of your income would you like to cover?
This enquiry form does not review existing insurance cover or provide a recommendation to cancel, replace, increase or reduce any existing cover.
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