Risk Insurance

Types of Risk Insurance

Our dedicated risk insurance team are focused on delivering tailored insurance services by providing extensive advice and solutions to suit your financial and personal circumstances. 

Why Risk 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