Why you need Life cover?

Aside from the obvious emotional distress, your spouse’s passing can have a sudden impact on your disposable income.

In addition, you could be faced with hefty funeral expenses, probate and legal fees, as well as medical bills.

All while grieving and also dealing with basic weekly expenses and also possibly looking after your children.

That’s why we are here to help.

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Selecting Life insurance cover

It’s never too late to consider Life insurance cover for both you and your partner. In addition to Life insurance our comprehensive range of cover also includes, Total and Permanent Disability (TPD) and Trauma insurance, and also Income Protection insurance (and Business Expenses if you are self employed), With these covers you can rest assured that you’ll be able to meet or clear any debts and also cover any immediate or future expenses should the need ever arise.

We can assist you to tailor a Life insurance package to suit your personal needs – here are some options to consider.

Life insurance cover at a glance

Cover type

Benefits

Helps cover

How to get covered

Life insurance

  • Provides up to $15 million of cover.
  • Sum insured paid in advance upon terminal illness.
  • Advance $10,000 funeral benefit.
  • One standard “exclusion” only (ie. suicide in the first 13 months of the policy commencing). Other exclusions may apply to some applicants depending on health and pastimes.
  • Guaranteed renewability to age 99 (if premiums paid on time), even if health changes.
  • Worldwide cover.
  • Access to a dedicated claims consultant to assist your family through the claim process.

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  • Allows payment of personal or family debt, providing your family with financial freedom.
  • Your family does not have to worry about finding the funds to cover funeral expenses.
  • Provides funds for any outstanding medical costs.
  • Provides funds for estate, administrative and legal fees.
  • Provides funds for financial assistance for your family following your spouse’s death to allow them to grieve and not have to worry about the finances.

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Total and Permanent Disability (TPD) insurance

  • Provides a lump sum payment of up to $3 million for sickness or injuries which cause a total and permanent disability, preventing you from being able to work again.
  • One standard policy “exclusion” only (ie. intentional self injury in the first 13 months of the policy commencing). Other exclusions may apply to some applicants depending on health and pastimes.
  • Domestic Duties disablement definition is applicable to non income earners.
  • Worldwide cover.
  • Access to a dedicated claims consultant to assist you or your family through the claim process.

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  • Allows you to clear all debts, and even provide with financial freedom.
  • Provides funds to cover ongoing medical and rehabilitation costs associated with your illness or injury.
  • Provides funds for any necessary home or vehicle modifications resulting from your injury or illness
  • Provides funds to pay ongoing household expenses.

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Trauma insurance

  • Provides a lump sum payment up to $2million when one of the listed medical conditions or trauma events occur.
  • Includes coverage of the top 4 medical conditions which account for over 95% of trauma claims paid as well as 33 additional medical conditions.
  • Conditions covered include Heart Attack, Stroke and Cancer.
  • Pays a lump sum on the confirmed diagnosis of one of the listed medical conditions covered by the policy, whether that illness or trauma event is able to be successfully treated or not.
  • Two standard “exclusions” only: (i) Exclusion of self injury in the first 13 months of the policy commencing, and (ii). An exclusion period applies for the first 90 days for 10 of the medical conditions.
  • Worldwide cover.
  • Access to a dedicated claims consultant to assist you through the claim process.

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  • Allows you to cover or partially cover debts such as your mortgage.
  • Provides funds to cover out of pocket costs for ongoing medical and rehabilitation costs associated with your illness or injury.
  • Provides funds for any necessary home or vehicle modifications resulting from your injury or illness.
  • Provides funds to pay ongoing household expenses

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Take the financial stress out of an emotionally traumatic experience