Personal Protection Insurance.
Level Term Premiums.
Level Life Term premiums give you the option to fix all, or a portion of, your life cover to ensure the premium does not increase each year, like a standard premium does.
Level premiums can be fixed for any selected period of time, but the price does increase the longer you fix the premium for.
Level cover starts out more expensive than the stepped YRT option, but because your premium remains at the level you fixed it for, it will be considerably cheaper in the long run.
When the need for life cover has diminished, you will still have the levelled portion as security, with no premium increase.
YRT premiums get significantly more expensive as you get older, and as the risk of you needing to claim gets higher. We will always be here to manage these premiums for you, to make sure they work in with your budget. Level premium is one of the best ways to ensure your premium always stays affordable, and the cover is always there when you need it most.
Personal Insurance Options.
Insurance policies include a lot of detail in them, and when you’re searching for cover, you might wonder what is right for your unique situation. That’s where we come in. We are here to guide you every step of the way, and to help you understand all the great benefits of every insurance option.
We all have big plans for the future, but things don’t always play out the way we’d hoped. Life insurance protects your loved ones' future by providing them with a lump sum.
It's easy to take good health for granted. But, sometimes we become ill or have an accident and we might not be able to work again. Total Permanent Disability Insurance can provide you with a lump sum payment.
Trauma might come in all sorts of ways, however they all have the same massive impact on a person’s life. Additionally, Trauma insurance is designed to pay you a one-off lump sum.
Health & medical insurance covers a range of treatments, including surgery, cancer treatments, diagnostic tests, specialists, and treatment overseas if required.
What would happen if you were unable to work for a period of time or worse still, were no longer around? Buying a home is a commitment that affects not only you, but also your family.
Protect your most valuable asset – your ability to earn. If you face an illness or injury that stops you from working, income protection provides regular monthly payments to cover your ongoing financial commitments.
Want to learn more about your insurance options?
Get a no-obligation review today.