Death cover can minimise the financial disruption to your spouse and family in the event of your  pre-mature death. This type of cover can help your family maintain its lifestyle and quality of housing as well as meet mortgage, educational and other major expenses. View the Life Insurance Fact Sheet.

Trauma and Critical Illness Benefit Protection

Critical illness protection provides a lump sum if you suffer one of a series of specified critical medical conditions, including cancer, heart attack, stroke, Coma, and heart surgery. This type of cover is designed to help you meet the medical costs associated with a major illness and allow you to continue to pay off your debts (such as mortgages), during the period of your recovery. View the Trauma and Critical Illness Insurance Fact Sheet and View the Children's Trauma and Critical Illness Insurance Fact Sheet.

Personal Income Protection

Personal income protection is a policy which provides income replacement while you are totally disabled or partially disabled and unable to work as a result of accident, sickness or injury. If you are temporarily unable to work as a result of illness or accident, your expenses may continue even though your income may have decreased or ceased. This type of cover can help you maintain your family’s quality of life and continue to pay off debts (such as mortgages) during the period of your recovery. View the Income Protection Fact Sheet.

Business Expenses Protection

Business expenses protection, provides you with income cover for your business expenses if you are disabled. If you are unable to work because of a sickness or injury you will receive a monthly benefit for up to one year after the waiting period for any one claim. View the Business Expenses Protection Fact Sheet.

Total and Permanent Disablement Protection

The disability sum insured will be paid if you become totally and permanently disabled. Total and Permanent Disablement occurs when, through illness or accident, you are unable to return to your usual occupation. That is, the type of work you are qualified by training, education and experience to perform. Permanent disablement can result in a dramatic lifestyle change. Expenses may increase, through medical and hospital costs, while income may decrease or cease. This type of cover can help you meet your medical costs and maintain your family’s quality of life. View the TPD Protection Fact Sheet.

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