Insurance options

 
 

Personal Risk Insurance

Life Insurance pays a lump sum in the event of death or a terminal illness.  It provides financial protection for those who depend on you. It pays a one-off cash payment if you die. The amount of cover needed is tailored to suit your individual needs. The eligibility entry age for those who can apply for life insurance is 16 to 75. There is no maximum level of cover, however - the cover is subject to financial & medical assessment.

Life Insurance eligibility  - entry age for those who can apply for life insurance is 16 to 75. There is no maximum level of cover, however - the cover is subject to financial & medical assessment.

Trauma Cover provides you with a one-off lump sum in the event of suffering a critical illness or serious injury for the first time after the cover starts.  Entry age for those who can apply for trauma insurance is 16 to 75.

TPD - Total & Permanent Disablement Cover provides you with a one-off lump sum if you are totally and permanently disabled and therefore unable to work because of the debilitating illness or injury.   Entry age for those who can apply for disablement cover is 16 to 64 and your cover expires at age 100.

Income protection insurance can provide you with up to 75% of a replacement income (based on your pre-disability income) in the event of being unable to work due to a serious illness or accident. Entry age is 16 to 59, cover ceases at age 65.

Key Person Cover is an Income replacement benefit which becomes available if a key person is unable to work due to serious illness or accident for up to 12 months. This type of benefit is suitable for small to medium sized businesses or partnerships and gives the business time to recover or put in place the appropriate actions needed to keep the business running, should the Key Person be out of action. Entry age is 16 to 59, cover ceases at age 65.

Health Insurance   provides the insured with options relating to Health Care, from the choice of hospital and treatment facility to the choice of specialist. We have a number of providers available and will find the best one for your needs.

 

Fire & General Insurance

Home & Contents Insurance

Individual options are available.

Landlord Insurance

Cover for loss of rent and property damage

Motor Vehicle Insurance

You may insure your vehicle comprehensively, third party or third party fire & theft to minimise your premium.

Business Insurance

Comprehensive protection for you, your business & your employees.

Farm Insurance

Farmplan is designed to suit your individual requirements - whether it's home, livestock, farm equipment or farm vehicles, this plan can be made to suit.

Travel Insurance

A comprehensive policy which offers the highest level of cover for travellers, with higher limits and extended benefits for peace of mind while travelling.

"The information provided on this website is for general information only and is subject to change.   This information does not take into account any person's financial situation or goals and does not support personalised financial advice.  We recommend contacting us to obtain advice before making any insurance or investment decisions."

To discuss this information further, please contact one of our Advisers.