Personal Insurance Covers are a comprehensive, yet flexible, Risk Management Plan designed specially to cover personal and family needs.
Personal Insurance includes the following benefits:-
- Life Cover – in the event of death.
- Income Protection – in the event of being unable to work, protecting your greatest asset.
- Trauma Cover – in the event of a serious illness.
- Total & Permanent Disablement – in the event of a serious illness or accident.
- Health Insurance – protection against hospitalisation, Specialist & Diagnostic costs with options for GP, prescriptions and other medical charges.
- Mortgage Protection – safeguarding your largest asset.
Providing cash to:-
- Continue income if lost through illness or accident (Income Replacement Insurance).
- Pay expenses incurred from major traumatic illnesses or injuries (Trauma Insurance).
- Lump sum payment due to illness or accident.
- Arrange early payment of life insurance to allow people who are terminally ill to re-arrange their financial circumstances prior to death.
- Providing cash to solve the financial problems of dependent survivors.
- Providing cash to re-arrange business ownership or provide for succession planning on death.
Commercial Loan Repayment & Guarantee Release Cover
Ensures the repayment of debt if a business owner dies or is disabled.
Business Succession Planning
A plan that provides for the pre-arranged change of ownership when a business owner dies, is seriously disabled.
Key Person Protection Cover
Injects cash into the business on the loss to the business of a key employee through death or disablement or trauma.
Share Purchase – Partnership Insurance
Injects cash into the business on the loss of a business partner through death or disablement.
Options are available to cover your entire staff’s needs:-
- Medical.
- Life & Disability.
- Income Protection.
- Superannuation.
Planning to ensure a safe, financially secure retirement lifestyle.
Developing effective planning to:-
- Accumulate investable funds.
- Effectively invest funds already accumulated.
Developing effective planning to:-
- Domestic and commercial finance in association with McLeod and Associates.
- Mortgage repayment insurance domestic and commercial.
Where required we can arrange suitable professional advice and service for:-
- Wills – enduring powers of attorney.
- Family trusts.
- Trading trusts.
