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Together each insurance protects you and your family financially against sickness, injury or the loss of a loved one.
If you would need help financially due to being off work for a short or long period then Income Insurance is designed to help.
Your payout amount can be up to 70% of your income. Think about the minimum amount you could or would be willing to live on if you had to.
To choose a waiting period think about how quickly you’d need or like your payments to start (i.e. how long your savings, sick leave, annual leave etc would cover you for).
To choose a benefit period think about when your payments could realistically stop. Do you have Disability Insurance, investments, super, an inheritance etc that you could rely on after a certain period? If not, then you could consider getting cover till retirement age.
Generally up to 70% of your income.
Options range from 14 days to 2 years.
2 years, 5 years or up to ages 65 or 70.
Inside or outside super, or a mix of both.
Life Insurance pays out a single lump sum if you’re no longer here or are diagnosed with less than 12 months to live. It’s designed to support the people that would be negatively affected financially if you passed away (i.e. a spouse, children, a business partner etc).
Would anyone be negatively affected financially if you were no longer here? Life Insurance is designed to make sure your loved ones aren’t left with a financial burden and can continue to survive without you.
Life Insurance should cover the costs involved with surviving financially without you. This amount usually includes paying off any debts you have, providing for your spouse, getting your children through school and final costs (like funeral expenses).
Payout Amount
Anything from $50k.
Inside or outside super.
Total and Permanent Disability (TPD) Insurance pays a lump sum that covers the costs of being forced into an early retirement due to sickness or injury. It’s usually used for medical care, to pay off debt, replace your missing income or even invested to provide an income.
If you became disabled and could never work again, would you survive financially? Disability Insurance helps when your income stops and your expenses stay the same.
Think about how much you’d need to pay off debts (such as your mortgage), medical or rehabilitation costs, home modifications, household living expenses and the savings you want in retirement.
Payout Amount
Anything from $50k.
Inside or outside super.
Your own occupation or any occupation you could do.
Trauma Insurance pays out a lump sum if you suffer one of up to 50 medical emergencies (the main four being heart attack, stroke, cancer and heart bypass surgery). Trauma Insurance is all about helping you recover and so it pays out regardless of whether or not you can still work. The extra money usually helps you afford medical bills and some time off to recover or spend with your loved ones.
If you were to suffer a medical emergency, would medical bills and living expenses be a worry when they shouldn’t be? Trauma Insurance helps cover these unexpected costs.
Think about how much you’d like to have to cover medical bills and some time off. You can also use Income Insurance to help cover your time off and Trauma Insurance to cover the large unexpected medical bills.
Think about how much you’d like to have to cover medical bills and some time off. You can also use Income Insurance to help cover your time off and Trauma Insurance to cover the large unexpected medical bills.
Payout Amount
Anything from $50k.
Payment Options
Only outside of super.
Add your children to your policy.
We’ll teach you what you need to know and show you what it’ll cost.
We often get the first call for help when something goes wrong. It’s a big responsibility but also a privilege. Here’s some true stories that show why.
A routine check up turned into a stage 4 cancer diagnosis. That day he left accounting to focus on treatment and recovery thanks to his backup plan, Income Insurance. His insurance ended up giving him two years with his family without the financial pressures.
We received a distressed call from a client after her husband unexpectedly passed in his early forties due to a sudden heart attack. Life Insurance couldn’t bring him back but helped with the financial burden of raising their two children and some time off to grieve.
Years of a cramped helicopter cockpit started his spinal issues. His pain increased until flying was no longer possible. His Disability Insurance payout acted as his replacement income now that he couldn no longer fly as well as letting him pay off some debts.
A few years ago, a mother of two told us she had kidney cancer. Being a nurse prepared her medically and her Trauma payout financially. It covered day care, her husband’s time off and medical expenses. She’s now back at work with the leftover money saved for the future.
We’ll run you through the four types of insurance, search the market for your best options and then apply for the ones you pick.
1
We'll walk you through each type of insurance in detail and explain all the ways you can tailor it to your life.
2
We’ll do all the grunt work of getting quotes from 90% of Australia’s retail insurers so you can just pick the best one.
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Once you have chosen, we’ll ask you the questions the insurer needs to know and send in the paperwork.
Having access to the majority of retail insurers makes it easier to find the right cover at the right price.
Think you might be paying a bit much? Not sure if your insurance matches your current stage of life? Needing to make a claim? Just get in touch, we’re happy to help.
Want to be sure you have the best deal? We can get you quotes and make the changes if something better comes up.
Bought a house, had a child or changed jobs? We’ll go through the options and get your insurance up to date.
Need to make a claim? We’ll use our claims experience to get you the best outcome while you focus on what’s important.
