It is important you are not exposed to financial risk through accident or misfortune as this could jeopardize both your present and future plans. In simple terms, if you cannot financially afford to lose something, you should protect yourself from exposure to that potential loss.Insurance can provide a cost-effective method of providing that protection.
Life insurance pays a lump sum on the death of the life insured whilst the cover is in place.
Total and Permanent Disablement (TPD) cover will provide a lump sum should a person suffer an illness or injury which totally and permanently incapacitates them from working.
Trauma insurance or crisis benefits are paid when a specific condition or event occurs, for example a heart attack, cancer, or a stroke. Having crisis cover in place allows you to plan for expenses and gives you every opportunity to recover, both physically and financially.
For most people, their ability to earn income is their most important asset. How would you manage without your income? How would you meet your living expenses, debt repayments and children's education costs, let alone save for a holiday or for retirement? Most people, if they were disabled for other than a very short period of time, do not have sufficient savings to continue normal life.To maintain your standard of living if you are disabled because of illness or injury, we recommend an income protection plan.
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