Personal & Business Insurance
Life doesn't always go to plan, but an insurance plan for you and your business can help protect your family and assets.
Every family is different and comes with its own personal requirements, so you need an insurance specialist that can advise you on the best insurance solution for your specific needs. With access to a wide range of quality products, across numerous major financial institutions, our insurance specialists will find you the right solution for your needs.
Unfortunately good health doesn’t come with a lifetime guarantee
Life doesn’t always go to plan. Every day, we hear of families struck by illness or injury, though it isn’t until someone we know is affected that we realise how difficult it can be, both emotionally and financially. While you can’t prevent a major illness or injury from happening, you can ensure you and your family would be looked after if it was to ever occur. This is where insurance comes in, giving you peace of mind and financial security when you need it most.
As a business owner, your business becomes an integral part of your life. Working long hours, investing your savings, and forfeiting your own salary to increase your business cashflow are just some of the sacrifices you make.
For this reason, business insurance is an integral part of growing your business. Making sure you are properly insured against unexpected events, protects not only your corporate interests, but the future of your employees, shareholders, clients and most importantly your family.
Every business is different, so you need a business insurance specialist that can advise you on the best insurance solution for your specific needs and growth plan. With access to a vast range of quality products, across numerous major financial institutions, our business insurance specialists will find you the right solution to secure the future of your business.
We've got you covered, and we specialise in
Life Insurance provides a lump sum benefit to your beneficiaries or estate in the event of death or diagnosis of a terminal illness.
Total and Permanent Disability (TPD) Insurance
TPD insurance and/or critical illness cover can provide a lump sum benefit to you in the event of your total and permanent disablement. It allows you to repay large debts like your mortgage, make modifications to your home and provide for ongoing family living requirements.
Trauma cover can provide you with a lump sum benefit to you in the event that you suffer from a trauma condition like cancer, heart attack or stroke. It allows you to repay large debts like your mortgage, help fund lifestyle changes like reducing your work hours, pay for someone to replace you in your business, cover your out-of-pocket medical costs or even afford the best treatment available.
Income Protection Insurance
Income insurance can provide a monthly benefit (relative to your income) in the event that you are unable to work due to accident or illness.
Living Expenses Insurance
Living expenses insurance provides cover for individuals in high-risk occupations, part-time employment, retirees or homemakers that otherwise wouldn’t qualify for income insurance. It pays a guaranteed monthly benefit if you become significantly disabled to help you cover the day-to-day living expenses and the additional costs associated with your condition.
Share Purchase Insurance (Buy/Sell Insurance)
Share Purchase Insurance and Buy/Sell agreements act like a will for your business. All business partners enter into a legal, written agreement stating what is to happen with their individual interest in the business should one of the equity partners no longer be able to hold their position. The agreement protects against a number of circumstances including one or more of the business owners die or become disable due to accident or illness.
Key Person Insurance
When you ask most business owners what their most valuable asset is you will find it is not their building, equipment or vehicles, but their employees. Key Person Insurance enables your business to claim compensation for any financial loss suffered if an insured incident occurs and results in a nominated personal being unable to work.
Debt Reduction Insurance
When a business owner or director secures a business loan, they generally sign a guarantee that directly or indirectly uses their personal assets as collateral. Often this guarantee is dissolved only when the loan is repaid in full, when means the lender could call on the guarantee in the event of disablement or death, leaving the guarantor and their family unprotected. Debt Reduction Insurance is designed to protect you and your family, so in the case of an insured event (death or disablement of the guarantor) the portion of the business debt guaranteed by that individual would be fully repaid.