Our Protection products offer a simple and effective way of providing financial security for you, your business and your family if your were to die or become sick or injured.

With computer programmes we can help you calculate just how much cover you need.

What certain types of cover can do for you:

Life Protection

• pays a cash lump sum if you die or are diagnosed with a terminal illness (and have less than twelve months to live)

Total Permanent Disability

• provides you with a cash lump sum if you become totally and permanently disabled.

Trauma, Recovery and Critical Illness

• pays a cash lump sum if you die or are diagnosed with a specified critical illness

Income Protection

• provides you with an income if you are unable to work because of sickness or injury

Living Expenses

• provides you with a monthly payment for severe disablement and can be provided for people over 65 years and those who have not been able to obtain income protection policies in the past.

Business Protection

• To keep the business afloat after an untimely death or critical illness.

Key Person Protection

• provides you with a lump sum to cover the loss of a key person

Partnership Protection

• to provide a lump sum to payout a business partner (this cover can support a buy/seller arrangement)

Options available on certain types of cover

• Death benefits paid by instalments
• CPI Linking
• Future insureability
• Guaranteed renewable
• Disability buy back option
• Accidental death benefit
• Waiver of premium
• Critical illness reinstatement option
• 10 hour definition for income protection
• Shorter waiting period for accidents
• Increasing claim benefit
• Nursing care benefit
• Agreed value policy
• Indemnity policy