Life Insurance


No one likes to plan for their untimely passing, but unfortunately failing to plan for this event can leave your loved ones in a difficult and very stressful financial situation. With the right life insurance in place, you can relax, and enjoy your life, confident in the knowledge that you have provided for the financial future of your loved ones.


It’s vital that you fully understand your life insurance policy and that there are no unpleasant surprises for your family at claim time.  That’s why we will use plain English language to explain just what your family will be entitled to.




Health Insurance


Unfortunately, hospital waiting lists are a fact of life. With health insurance in place, you can have the peace of mind in knowing that should you require surgery or hospitalisation you can do so at a private hospital at a time that suits you. Health insurance can also cover visits to medical specialists.

You should be looking at this sooner rather than later, as the longer you leave it the more likely it is that you may develop conditions that may need to be excluded and therefore reduce your cover.




Trauma / Critical Illness Insurance


Experiencing a specified major illness or injury such as cancer or a heart attack is difficult enough as it is without having the additional stress of worrying about money and how you will survive financially. Trauma & Critical Illness insurance will pay you a lump sum so you can focus on your recovery and get back to your life.




Total and Permanent Disablement


This insurance pays you a lump sum of money if you’re totally and permanently disabled because of illness or injury. The financial effects of this can be devastating for your loved ones. You may never earn an income again, however you are likely to need funds for your ongoing care and associated costs and these can be substantial in many cases.




Income Protection Insurance


Protecting your income in the event of an illness or serious injury is vital if you wish to continue your current standard of living and financial well-being while recovering. After all this is the biggest asset you will ever have, the ability to earn an income.





Mortgage Protection Insurance


Mortgage Protection insurance specifically protects one of your most important assets – your home. It takes care of the mortgage payments in the event of you being unable to work due to sickness or injury, so your family can stay in the home without the financial worry of how to pay the mortgage. This should and can be taken out where possible in addition to income protection.

Personal Insurance

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