Personal Risk Insurance is one of the most important insurances that you will consider. Generally, Australians insure their new car, house & contents, and their business, but only 30% of Australians insure themselves!
There are three parts of life that personal insurance applies to. But what cover do you need at each point? To help determine what cover you need, click on the area that most applies to you and what you are looking at insuring for:
SINGLE 
FAMILY 
BUSINESS
The types of insurance available are:
Life Insurance
Income Protection
Keyman Insurance
Business Expense Protection
Trauma Insurance
Total & Permanent Disability Insurance
We are independent so we can give advice on a large range of insurers. Below are some of the insurers we have associations with:
Depending on what your exposure to risk is, will depend on what is needed for you, your family or your business. To help with how much you should start to look at, please see the ‘How much am I worth’ page, or discuss with one of our experienced advisers on 1800 989 657
Life Insurance is a simple insurance that pays a lump sum in the event of the insured person’s death. The benefit is normally paid to the beneficiary if nominated. For more information on beneficiaries, please see HERE.
Policies vary with different insurers, but in the main, the benefits will be paid on the following events:
Death & Terminal Illness (if the terminal illness is likely to result in death within 12 months)
Funeral Benefit – Generally pays a benefit of between $10,000 – $15,000
Financial Planning Benefit – Pays a benefit of between $1,000 – $1,500 toward receiving financial advice in relation to the benefit received.
You can find some of the PDS’ on our Providers page.
To find out more about any insurer and what they offer, please call 1800 989 657 or contact us.