Insurance

Personal insurance can help protect you, your family and your financial position if illness, injury, disability or death affects your ability to earn an income or meet financial commitments.

We help you assess the level and type of cover that may be appropriate for your circumstances. This can include life insurance, total and permanent disability (TPD) insurance, trauma insurance and income protection. These covers can provide either a lump-sum benefit or an ongoing income benefit, depending on the policy and insured event.

Advice may include reviewing existing cover, such as insurance held through superannuation, identifying gaps, considering ownership and affordability, and structuring cover in a way that aligns with your debts, income, dependants and long-term financial goals. We also review your insurance as your life circumstances change, such as buying a home, starting a family, changing employment or approaching retirement.

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    Life insurance

    Provides a lump-sum payment to your nominated beneficiaries if you die, helping support debts, living costs and your family’s financial future.

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    Total and Permanent Disability Insurance

    Provides a lump-sum payment if an illness or injury leaves you totally and permanently disabled under the policy definition.

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    Trauma insurance

    Provides a lump-sum payment if you are diagnosed with a specified critical illness or sustain a serious injury, such as cancer, heart attack or stroke.

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    Income Protection

    Replaces a portion of your income if illness or injury temporarily prevents you from working, subject to the policy’s waiting and benefit periods.