When preparing a personal protection review, we take into account your current financial position and then identify areas where appropriate cover would protect you and your family against financial loss.
Some of the key areas and considerations are outlined below:
| Life Protection |
Provides funds to extinguish debts and ongoing income to support lifestyle requirements of dependants.
Paid on death or terminal illness. |
| TPD Protection |
Provides funds to extinguish debts in the event of Total & Permanent Disablement (TPD) and provides ongoing income to support lifestyle requirements and lifestyle modifications.
Paid where individuals are‘unlikely’ or ‘unable’ to ever work again. |
| Trauma Protection |
Provides a lump-sum to deal with an unexpected ‘crisis’.
Paid on diagnosis of a specified condition e.g. Heart attack & Breast cancer.
Paid either as a full or partial payment depending on severity of condition. |
| Income Protection |
Replaces up to 75% of ongoing income if unable to work due to a sickness or injury.
A full or partial benefit is available depending on the severity of disability.
Provides rehabilitation & ancillary benefits. |
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