Income Protection
Pays a monthly income for day to day living expenses, if you are unable to work due to sickness or accident.

This includes traditional comprehensive policies, as well as a revolutionary low cost option that may suit your needs.

Term Life Cover
Pays a lump sum on death, or to you if you are terminally ill.

Critical Illness / Trauma
Pays a lump sum on diagnosis of specific medical events such as cancer, heart attack, stroke. Crisis cover compliments Life Insurance, Total & Permanent Disability Insurance and Income Protection cover.

Total & Permanent Disability (TPD)
Pays a lump sum if you are unable to ever work again in any occupation (Any Occupation definition) or in your specific occupation (Own Occupation definition)

Business Expenses/Practice Overheads Cover
Pays a monthly benefit towards your practice / business expenses while you are unable to work due to sickness or accident.

This enables you to utilise your Income Protection for daily living expenses and to keep your business / practice functioning while you are unable to generate an income.

Key person cover
Pays a lump sum to a business to compensate the business or practice financially where a key person in the business dies or has a crisis event (eg heart attack, cancer, stroke), resulting in a financial loss to the business or the practice.