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Personal Risk Insurance 

 

At Cutcher & Neale, we know how important it is to have financial security and protection in the event you are unable to work. We offer a range of Personal Risk Insurance services to ensure that you and your family are covered in the event you are unable to work due to unforeseen circumstances such as Critical Illness, Income Protection, Total and Permanent Disability or Death.

If you are currently insured, our team of experienced specialists are also able to review your existing policies to ensure you are getting the most out of your insurance.

 

Critical Illness Cover (Trauma)

  • Lump sum payment
  • Provides short term financial relief
  • Requires diagnosis of defined Critical Illness
  • Non tax deductible premium

Income Protection (Salary Continuance)

  • Monthly taxable payments, assessable income
  • Sickness & injury benefit
  • Replaces up to 75% of salary (more in certain circumstances)
  • Tax deductible premium

Total & Permanent Disability (TPD)

  • Lump sum payment
  • Long term financial relief
  • Fund lifestyle changes
  • Tax deductible premium through superannuation

Life Cover

  • Lump sum payment
  • Financial relief for family members
  • Tax deductible premium through superannuation

Business Expense Insurance

  • Covers eligible fixed business costs for up to 12 months
  • Covers salaries and staff superannuation for employees who do not generate business revenue
  • Monthly reimbursement

Buy / Sell (Cross Life)

  • Fund transfer of ownership in the event of Critical Illness, TPD or Death
  • Lump sum payment
  • Non tax deductible premium

Key Person Insurance

  • Offset effect of Key Person in the event of Critical Illness, TPD or Death
  • Lump sum payment for Capital or Revenue needs