Types of insurance
| What if? | Which Insurance suits best? | What does it do? | ||
| I am unable to work due to sickness or injury | Income Protection | Income Protection can cover you for a monthly benefit up to 75% of your income to replace lost earnings if you become disabled and are unable to work. | ||
| I pass away and want to make sure my loved ones are protected | Life Insurance | Helps your family maintain their financial position in the event of your death by providing your beneficiaries with an agreed lump sum. | ||
| I am very ill, and want to focus on getting better, rather than worrying about my finances | Critical Illness Insurance | Takes away your financial worries, by paying you a cash lump sum if you develop certain critical illnesses so you can get back on track. | ||
| I am permanently disabled | Total and Permanent Disability (TPD) Insurance | Total and Permanent Disability cover offers financial security for the unexpected by providing you with a lump sum if you suffer total and permanent disability and are unable to work again. | ||
| I am unable to run my business | Business Expenses Insurance. | Business Expenses reimburses you for fixed expenses incurred to keep your business going if you become totally disabled and cannot work. | ||
| My business partner dies or becomes disabled or falls very ill | Life Insurance Total and Permanent Disability (TPD) Insurance Critical Illness Insurance |
Insures your business partners so you receive a lump sum to buy your partners share of the business. | ||
| One of my employees dies, or is permanently disabled, or falls critically ill. | Life Insurance Total and Permanent Disability (TPD) Insurance Critical Illness Insurance |
Helps your business offset the loss of revenue associated with the loss of a/the key person/people who is/are responsible for driving the revenue of the business. | ||
| One of my employees dies, or is permanently disabled, or falls critically ill | Life Insurance Total and Permanent Disability (TPD) Insurance Critical Illness Insurance |
Provides your business with the ability to satisfy creditors and maintain your credit status through the period that you are unable to work. Debt protection also protects your assets pledged as security for lending. | ||
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Planning for what happens when you pass away or become incapacitated is an important way…