Wealth Protection & Insurance
Looking after yourself and your wealth means selecting the right cover for your circumstances, budget and risk. We review many different types of insurance products and in consultation with you help you select the right level of cover for your needs.
Pays a lump sum upon death or terminal illness – it could pay off the mortgage, help educate the kids and provide for the family or even pay for your “bucket list”.
Total & Permanent Disablement Insurance
If you can no longer work due to illness or injury, this cover provides you with a lump sum which can be used to generate an income or adjust your living situation to suit your new needs.
At a time when you are facing a major medical condition such as a heart attack or cancer, this cover pays a lump sum. You can choose what you do with these funds – for instance seek more treatment or pay off the mortgage – it is up to you.
Income Protection Insurance
Your ability to earn is your greatest asset and if you have run out of sick leave then you may be faced with no cashflow. This insurance covers up to 75% of your income so that you can cope financially while dealing with illness or injury.
Key Person and Business Continuance Insurance
If you own a business and are unable to work in it due to injury or trauma, this insurance helps to keep the business afloat whilst you sort out what needs to happen next. As the key person, your expertise, knowledge and the ability to generate income is essential to keeping the business running. If the event is temporary, the Key Person benefit can help fund someone to step into your role whilst you are away. If you die, the funding allows your remaining partners or family to either continue or sell without the financial pressure. Key person insurance is important where you have a buy/sell agreement with business partners. Business continuance insurance covers the main costs of the business that will continue whilst you are not there (such as rent, electricity, etc.).