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Business Insurance

Product Solutions for Business Risk Management are:

Life Cover
Provides a payment in the event of death, or on maturity of a permanent policy. Terminal Insurance provisions may allow for a payment prior to death.

Provides a payment if you suffer from one of many specified critical conditions. These include heart attack, stroke and cancers.

Income Protection (IP) 
Provides a monthly payment if you are unable to work because of sickness or injury.

Business Overheads
Provides payment for some of business owners fixed business expenses if he/she is unable to work because of sickness or injury.

Locum Cover
Provides a monthly income for a replacement to help your business keep going if you are totally disabled. Locum Cover gives you the opportunity to hire someone to take your place while you are disabled.

Total Permanent Disablement
Provides a lump sum payment if you are totally and permanently disabled (as defined in policy wordings) by sickness or injury.

Permanent Term
Guaranteed sum assured, Guaranteed rates, Guaranteed return of premium.

Corporate Superannuation
Subsidised Superannuation Plan available for all or selected classes of staff. Individuals have fund/investment choices while being efficiently administered under a simple trust deed. Individual Investment Planning is available to staff as part of the process if required.

Employee Benefits
Group Life and Disability Insurance, Health/Medical Cover, Trauma Cover, Income Continuance, Superannuation.

Future Insurance Credit Line
Future business insurance requirements are assessed at the outset. The business acquires the right to increase covers as the business grows based on supporting financial evidence. No further medical evidence is required.