Personal Insurance

What is insurance?

Insurance is a form of protection – a way to protect yourself, your family and the things you own if something goes wrong. It enables you to replace or repair your assets, whether those assets are your belongings or your capacity to earn income.

Everybody’s circumstances are different, but insurance is important for everybody. Your need for insurance will change as you move through the different stages of your life.

There are many different types of insurance, and we can help you find the right level of protection for your needs.

What types of insurances are there?

Car or home/contents insurance allows you to insure your belongings. Personal insurance policies enable you to insure yourself and your ongoing wellbeing.

Personal insurance provides protection against sickness, injury, and death, and includes:

• Life Insurance;
• Total and Permanent Disability (TPD) Insurance;
• Trauma Insurance;
• Income Protection.

While insurance doesn’t remove the risk of something going wrong, it provides you and your family with protection and financial security if something does go wrong.

The amount of insurance you need is affected by:

• How much you earn;
• Your cost of living;
• Your assets;
• Your liabilities;
• Your relationship status (whether you are married, in a de facto relationship or single);
• The number of dependents you have.

We understand that it can be difficult determining the type and level of cover you might need, let alone choosing an insurer. We can assist by helping you determine your needs and recommend an insurer that is right for you.