Insurance

Income Protection
Life insurance is a protection against the loss of income that would result if the insured passed away. The named beneficiary receives the proceeds tax free and is thereby safeguarded from the financial impact of the death of the insured.


Critical Illness
"Critical illness" is a life-threatening condition, which is generally strictly defined. Most critical illness policies provide for the payment of a lump sum benefit if the policy holder is diagnosed with a specified terminal illnesses; such as cancer, heart attack or stroke. The payment of a lump sum during illness rather than on death can provide a significant improvement in lifestyle, helping to alleviate the consequences of infirmity.

 

Disability
Disability insurance offers income protection to individuals who become disabled for a long period of time, and as a result can no longer work during that time period.

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Mortgage Insurance

Mortgage Insurance is a form of insurance specifically designed to protect a repayment mortgage. If the policy holder were to die while the mortgage life insurance was in force, the policy would pay out a capital sum that will cover the outstanding mortgage. Any additional benefits will be paid to the designated beneficiaries.

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Business Insurance

Key Person Insurance is an insurance policy taken out by a business to compensate that business for financial losses that would arise from the death or extended incapacity of an important member of the business.