What We Do

The Process

1. Compare

After comparing the cost and features of major insurers you will decide on the insurer, the types and amounts of cover you believe are appropriate and we will prepare and submit your application.

2. Submit

Once submitted for underwriting we will keep you informed of any further requirements from the insurer and will arrange for any medical tests that the insurer requests.

3. Communicate

We will monitor and communicate the progress of your application through to the final result and assuming the final result is standard acceptance we will arrange for the commencement of cover.

4. Evaluate

Should non-standard terms be offered we will access the views of at least 3 other major insurers to see if better terms are available.

Personal Insurance

Income Protection

In the event that you are unable to work as a result of sickness or accident your income may cease but your commitments will continue. IP can provide a monthly benefit (to a maximum of 70% of income) ensuring that your financial commitments will be met and that you and/or your family will not suffer unnecessary financial hardship.

Total and Permanent Disablement (TPD)

If you were to suffer a serious injury as a result of an accident or experience a catastrophic health event health you may become Totally and Permanently Disabled. TPD insurance will ensure that you and/or your family will have sufficient capital resources to continue living with financial security and dignity. Initial funds may be used to payout all existing debt with a balance remaining sufficient to meet future needs which may run into many thousands of dollars per year depending on the nature of the disability.

Critical Illness (Trauma)

Upon the agreed diagnosis of a major health event e.g heart attack, stroke or cancer (there are generally 40+ health events listed in a policy) Trauma insurance will pay an immediate lump sum irrespective of the medical outcome. Eliminating the financial stress at such a times enables you to focus fully on your health giving you the very best chance of recovery.

Life Insurance

Should you pass away prematurely through sickness of accident Life insurance will provide the ongoing financial security to the ones you love whether a spouse and children or ageing parents. Adequate Life insurance will ensure that your spouse can continue to care for and raise the family remaining in the security of their own home. Life insurance ensures that your spouse will not be forced to return to work at the very time the family needs them the most.

Business Insurance

Share purchase insurance (SPI)

Businesses are often owned by a number of individuals whether partners or directors each of which has a share in the business. All business should have a Business Succession Plan which is conceptually like a corporate will. It sets out what actions are to take place should a Trigger Event occur. A Trigger Event may include Death or TPD or Critical Illness. Should a Trigger Event occur Share Purchase insurance will provide the funds required for the deceased/affected partner’s shares to be purchased by the surviving/non-affected partners. It is important to note that the Share Purchase insurance provides the dollars for the share purchase but it’s the Business Succession Plan which determines the obligations of both the buyer and the seller. Share Purchase insurance combined with a Business Succession Plan is essential in ensuring that at a time of crisis there is minimum disruption to the business by allowing all parties to quickly fulfill their respective obligations and move on.

Key Person insurance

Often the ongoing success of a business is dependent on a particular individual, a Key Person: that person may be the principal or a senior manager but it may equally be an employee who has a particular skill set or qualification that’s hard to find. Should the Key Person die, or become TPD’d or suffer a Critical Illness then Key person Insurance will provide an injection of funds into the business enabling it to stay afloat and continue trading whilst a new key person can be found and trained.

Debt insurance

Often businesses carry considerable debt sometimes running into the $millions. Should a director or partner decease, become TPD’d or suffer a listed Critical condition then, if appropriate insurance is in place, the debt can be paid out which alleviates the stress of creditor demands.

Advice

General Advice

General Advice means that you will decide as to what classes of and levels of insurance you want and can afford. It is you who will ensure that the types and levels of insurance cover that you select are adequate and appropriate to your needs and financial circumstances.

Personal Advice

If you need comprehensive written financial advice specifically tailored to your personal circumstances then this is Personal Advice and is provided by way of a Statement of Advice (SOA): to prepare a SOA requires an understanding of your personal circumstances.

Let’s Protect Your business, life and much more.

0
+
Years of Working Experience in this field

Our Testimonials

What They Say

Christina Rose Customer

Mauris si netus pharetra a elit urna. Hendrerit letius sollicitudin consectetuer ad nunc. Nam efficitur posuere nullam condimentum mus natoque mauris scelerisque tempus molestie.

Amanda E Jacobs Customer

Mauris si netus pharetra a elit urna. Hendrerit letius sollicitudin consectetuer ad nunc. Nam efficitur posuere nullam condimentum mus natoque mauris scelerisque tempus molestie.

Maria J Finck Customer

Mauris si netus pharetra a elit urna. Hendrerit letius sollicitudin consectetuer ad nunc. Nam efficitur posuere nullam condimentum mus natoque mauris scelerisque tempus molestie.

James G Wyatt Customer

Mauris si netus pharetra a elit urna. Hendrerit letius sollicitudin consectetuer ad nunc. Nam efficitur posuere nullam condimentum mus natoque mauris scelerisque tempus molestie.