We are Australia's leading sickness accident & personal insurance experts. We take care of everything to ensure you get the right policy for your occupation at the best possible price. Personal insurance is a 100% free advice & product placement service. We are paid by the insurance companies via commissions - we are not owned or aligned with any specific company so we choose the best insurance policy at the cheapest price.
We specialise in finding the right cover for the trade / service based self-employed to the office based or professional persons. We compare income protection insurance along with other personal insurances such as life cover, critical illness, etc to match the right policy for your individual needs and requirements.
We specialise in finding the right cover for the trade / service based self-employed to the office based or professional persons. We compare income protection insurance along with other personal insurances such as life cover, critical illness, etc to match the right policy for your individual needs and requirements.
Services
Life Insurance
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Most commonly referred to as Term Life Cover, this type of benefit provides coverage (in the form of a cash Lump sum) in the event of death and, often these days, includes a terminal illness benefit for payment of part of the death benefit on the diagnosis of a terminal illness.
Previously it was common to have life insurance with a cash value (you may recall hearing from friends or relatives that they decided to "cash in" a life policy), however, these days life insurance policies tend to be written as risk only (no savings component) in order to minimise the premium.
Previously it was common to have life insurance with a cash value (you may recall hearing from friends or relatives that they decided to "cash in" a life policy), however, these days life insurance policies tend to be written as risk only (no savings component) in order to minimise the premium.
Sickness & Accident
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Could you pay your mortgage and monthly bills if your income stopped due to Sickness & Accident? For many the unfortunate answer to that question is no! Alarmingly, one in three Australians will be off work for more than three months during their working life. Also, less than 10% of Australians have Income Protection insurance.
Critical illness or Trauma
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Critical illness or trauma policies pay a lump sum in the event of an injury or sickness as defined in the policy. Trauma policies are not intended to replace having private health insurance but rather are designed to ease any financial burden that will arise upon such an event occurring. These policies tend to have a high rate of claim which vindicates the alarming statistics on the likely hood of Australians suffering a trauma event.
Total and Permanent Disability
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Total and Permanent Disability (TPD) provides a lump sum in the event of the insured being totally and permanently disabled as defined in the specific policies. Generally this risk is attached to a life policy (as a rider to the life insurance contract) although some companies now offer a free standing TPD contract (known as a Stand Alone policy).
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