Risk insurance forms a critical part of the financial planning process. It provides you with protection against the financial implications of an event such as death, disablement, serious illness or injury.
There are a range of insurance options available that we can tailor to suit your needs and personal situation. The most common types of risk insurance include:

​Income protection

​In the event that you suffer an illness or injury and are unable to work, income protection provides you with a monthly benefit of up to 75 per cent of your salary.

​Life Insurance

​Life insurance helps alleviate the financial burden your family may be left with after your death. This is paid as a lump sum to your nominated beneficiaries to assist with medical costs, funeral expenses and help maintain your family’s lifestyle.

​Total and permanent disability (TPD)

​This provides a lump sum in the event of a total and permanent disability that prevents you from ever returning to work.

​Critical illness / trauma

​Trauma insurance is paid as a lump sum upon diagnosis of an eligible condition (eg cancer, heart disease) to help you get back on track.