Insurance Advice

You've got a lot in your life that's worth protecting

Insurance is a way of managing risks. When you buy insurance, you transfer the cost of a potential loss to the insurance company in exchange for a fee, known as the premium. Insurance companies invest the funds securely, so they they can grow, and pay out when there’s a claim.

 

Take the time to review your policies and contact one of our helpful Financial Advisers to answer your questions or get the advice. A little knowledge can make a big difference when it comes to buying the right insurance protection for you and your family.

Life Insurance

Grow your wealth and provide for your loved ones with our life insurance options geared to any stage of life and income.

 

Life insurance is a protection against financial loss that would result from the premature death of an insured individual. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured. The death benefit is paid by a life insurer in consideration for premium payments made by the insured.

Health Insurance

Health insurance may be the most important type of insurance you can own. Without proper health insurance, an illness or accident can wipe you out financially and put you and your family in debt for years. 


Health insurance is a type of insurance that pays for medical expenses in exchange for premiums. The way it works is that you pay your monthly or annual premium and the insurance policy contracts healthcare providers and hospitals to provide benefits to its members at a discounted rate. This is how hospitals and healthcare providers get listed in your insurance provider booklet. They have agreed to provide you with healthcare at the specified cost. These costs include medical exams, drugs and treatments referred to as "covered services" in your insurance policy. 

Trauma Insurance

A major health issue can also take its toll on your time and money. This insurance gives you a sum of money that can help you get through it.

 

A type of insurance that protects the insured, in the event of specified major health events, during a defined period of time. Catastrophic illness insurance coverage is usually a lump sum, and can be full or partial depending on the condition and the policy. Some conditions covered could include (but not limited to); long-term hospitalisation, heart attack, stroke or cancer. 

Total & Permanent Disability

Disability insurance offers income protection to individuals who become disabled for a long period of time, and as a result can no longer work during that time period.
 

Total and Permanent Disablement Insurance provides a lump sum of money to make life a little easier if you become totally and permanently disabled.

Income Protection

It’s understandable that most workers envision or at least hope that they will remain strong, healthy and able to continue working up until retirement. But unfortunately, that is not always the case. If misfortune does strike, a steady flow of income may be the only way to get through it financially.

 

This insurance is simple, but powerful. As the name suggests, Income Protection protects a percentage of the money you normally earn. It pays you a monthly benefit to help replace income you lose due to illness or injury

Mortgage Protection

Mortgage insurance is an insurance policy that protects a mortgage lender or title holder in the event that the borrower defaults on payments, dies, or is otherwise unable to meet the contractual obligations of the mortgage.


With house prices and rent costs being what they are (i.e. expensive) it makes sense to make sure you can cover them, right? This is a simple insurance that pays a monthly benefit to help you pay your mortgage or rent if you can't work because of sickness or injury.

General Insurance

We also offer general insurance for your other needs.

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