Learn about Insurance

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  • Why insurance is important
  • Cash bag
    Insurance is a financial safety net that helps you to take care of yourself and those you love when you need it the most.
  • Umbrella
    There are different types of insurance available that meet different needs – it's important to make sure you have the right cover.
  • Family
    You insure your car and your home. But nothing is more important than your life and your ability to make a living. So it’s a great idea to insure your greatest asset – you!
  1. Get advice on Insurance
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Help when you need it

Life insurance is an important part of any solid financial plan and helps provide financial security for you and your family when it's needed most. Let's look at the different types of life insurance that can help you and your family prepare for the best outcome in case the unexpected happens. This guide will give you an idea of the different types of insurance, what you can protect, and can help you start a conversation with a financial adviser about insurance.

Select your insurance need:

Protecting my family's financial security and clearing my debts if I were to die.

Protecting my financial security if I couldn't work again due to a permanent disability.

Replacing my regular income if I have to take time out of work because of an illness or injury.

Providing for immediate financial needs with a lump sum payment in the event of an illness or injury.

Income protection. A monthly payment if an illness or injury prevents you working for a period of time.

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Total and permanent disablement. A lump sum payment if you can no longer work due to a total and permanent disablement.

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Term life. A lump sum payment to your family when you die or to you if you are diagnosed with a terminal illness.

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Living insurance. A lump sum payment if you suffer one of a list of specified medical conditions or injuries.

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  • The 4 main types of life insurance
  • Nothing can replace your health or your life

    What insurance cover can do is ease the financial stress by providing funds to help take care of you and your family if the unexpected happens.

    The first step is to find out what type of insurance might be right for you.

  • Term Life Insurance

    Pays a lump sum in the event of death or on diagnosis of a terminal illness.

    Find out more
  • Income Protection Insurance

    Replaces up to 80% of your monthly income if you're unable to work due to sickness or injury.

    Find out more
  • Living Insurance

    Provides financial support if you suffer a specified medical condition like cancer, a heart attack or stroke.

    Find out more
  • Total and Permanent Disablement (TPD) Insurance

    Relieves some of the financial stress if you are totally and permanently disabled.

    Find out more
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  • Claims and claiming
  • Claims are the very reason you have insurance. Even though every one of us hopes that we will never have to make a claim on our insurance, the only reason we take out insurance is just in case we do.

    If you have an insurance policy and one of the events you are covered for happens, you can make a claim. If your claim is accepted, you will receive a benefit or payout from your insurer.

  • Find out more