Get Insured

Put simply, it’s a policy that upon death, is designed to pay a lump sum or, regular income to the beneficiaries or estate. It can be the cheapest form of insurance available and there are usually two ways in which it can be set up. You may have been familiar with the most common use for Life Insurance - which is to cover any existing outstanding mortgage balance that you have. 

An Income Protection policy protects your pay packet. If you’re ever off work due to illness
or injury for a prolonged period, this policy is designed to replace your income until you have
returned to work, moved to new employment or until the payment period comes to an end.

Critical Illness Cover is usually linked to Life Insurance as a combined policy and provides
you with a pay-out if you are diagnosed with a pre-defined critical illness, which is usually things such as Cancer, Heart Attack, Stroke & Multiple Sclerosis. This means you’ll be able to make sure you have additional funds available to maintain your lifestyle. There are several protection providers in the market that all have a different set of definitions so it’s crucially
important to understand what each provider is able to cover.

When you’re a homeowner it’s important to protect your investment. Buildings insurance covers the physical structure of the property including the walls, roof and floors. Contents insurance covers items inside the property, like furniture and freestanding appliances.

Family income benefit is designed to pay a regular income if you die. An alternative to level term insurance, family income benefit aims to replace lost income if the person insured dies and is usually there to support families with children. If you’re the main income generator for the family and sadly pass away, it means your partner can continue to provide for the family without having to take on an additional workload.

This is an insurance policy that covers the costs of private healthcare, from diagnosis to
treatment. You will pay a monthly subscription that covers all or some of the cost of treatment for acute conditions that develop after your health insurance policy has begun. Typically, you will have access to a specific medical group, your treatment pathways can be recommended and depending on how comprehensive your policy is - it can provide you with out-patient treatment and give you access to a network of private hospitals.