Income Protection

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Income Protection

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Consider this:
You’ve just taken out your first mortgage to purchase your dream home and have been doing some minor renovations before moving in.

You work full-time and live comfortably on an annual salary of $85,000. Then, one weekend while fixing the living room window, you fall and injure your back. The result, you are unable to work for 12 months.

How would you cope financially? Would you have enough money to continue to meet the mortgage repayments as well as pay the daily bills?

The solution is simple:
Income Protection Cover is designed to provide you with an ongoing monthly income if you are unable to work due to sickness or injury. You can usually cover up to 75% of your income plus superannuation contributions. Premiums are generally tax deductible, whilst benefits are subject to tax, like your income.

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Life Cover

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Life Cover will provide a lump sum benefit in the event of death or terminal illness. You choose the level of cover at the time
of application that best meets your circumstances and budget.

The funds could be used to repay debts such as the mortgage, invest to create a future income stream, meet education
and/or childcare expenses, help with estate planning or business buyouts.

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Serious Illness Cover (Trauma)

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Trauma Cover will provide you with a lump sum benefit of up to $2,000,000 if you are diagnosed with one of 44 specified
medical conditions and survive 14 days from diagnosis, irrespective of whether or not your ability to work is impacted.

Our Trauma Cover Plus Option provides cover for an extra 13 conditions. Most of these conditions pay a partial trauma benefit
because the condition is at an early stage and of lesser severity to conditions that pay a full benefit.

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TPD Cover

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TPD Cover will provide you with a lump sum benefit of up to $5,000,000 in the event of total and permanent disability as a
result of sickness or injury.

The benefit payment could be used to pay off your mortgage and other outstanding debts, cover the costs associated with a
long term disability such as full time care or modifications to your home or cover the shortfall of income protection cover
which generally only allows you to protect up to 75% of your income.

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“This advice is general and does not take into account your objectives, financial situation or needs. You should consider whether the advice is suitable
for you and your personal circumstances. Before you make any decision about whether to acquire a certain product, you should obtain and read the
relevant product disclosure statement.”

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