Life Insurance

Provides life insurance coverage for a specific period, typically 10, 20, or 30 years. Term life insurance offers high coverage amounts at affordable premiums, making it ideal for young families or those with temporary financial obligations like mortgages or children’s education costs. If you pass away during the term period, your beneficiaries receive the full death benefit. This type of policy is straightforward, cost-effective, and perfect for covering specific financial responsibilities that will decrease over time.

Combines life insurance protection with a savings component that builds cash value over time. Whole life insurance provides lifelong coverage with level premiums that never increase, making it easier to budget for the long term. The policy accumulates cash value that you can borrow against or withdraw during your lifetime for emergencies, education costs, or retirement supplementation. This permanent life insurance solution offers both death benefit protection and a forced savings element.

Replaces a portion of your income if you become unable to work due to illness or injury. Income protection insurance typically covers 70-85% of your pre-disability income, ensuring your family can continue meeting monthly expenses, mortgage payments, and living costs even when your earning capacity is compromised. This coverage can be short-term or long-term, with benefits continuing until you can return to work, reach retirement age, or for a specified period.

Provides a lump sum payment if you suffer a total and permanent disability that prevents you from ever working again. TPD insurance helps cover the significant costs associated with permanent disability, including home modifications, medical equipment, ongoing care expenses, and debt elimination. This coverage ensures that a catastrophic disability doesn’t destroy your family’s financial security and allows you to focus on adaptation and quality of life rather than financial survival.

Pays a lump sum benefit upon diagnosis of a specified serious illness or medical condition, such as heart attack, stroke, cancer, or major organ transplant. Trauma insurance, also known as critical illness insurance, provides immediate financial support when you need it most, covering treatment costs, rehabilitation, lifestyle changes, and allowing time off work for recovery. This coverage bridges the gap between health insurance and life insurance, providing support when you survive a serious medical event.

Covers funeral and burial expenses, ensuring your family isn’t burdened with these costs during their time of grief. Funeral insurance typically provides a modest benefit amount specifically designed to cover funeral director fees, burial or cremation costs, memorial services, and related expenses. This coverage removes the financial stress from your loved ones during an already difficult time, allowing them to focus on grieving and celebrating your life rather than worrying about expenses.

Protects business interests and partnerships in the event of a key person’s death. Business life insurance can fund buy-sell agreements, cover outstanding business loans, compensate for lost revenue from key employees, or provide funds for business succession planning. This specialised coverage ensures business continuity and protects business partners, employees, and stakeholders from the financial impact of losing crucial team members.

Provides regular monthly payments to your family rather than a lump sum, helping them maintain their standard of living over time. Family income benefit pays a predetermined monthly amount for a specified period, such as until your youngest child reaches adulthood or your spouse reaches retirement age. This structure helps ensure long-term financial stability and can be more manageable for beneficiaries who might struggle with managing a large lump sum payment.