Personal Insurance
Have you considered how your financial situation might affect your loved ones in unexpected circumstances?”
Life Insurance
Facing the reality of DEATH can be a daunting and even frightening thought, but it’s an inevitable part of life. At some point, we will all reach that stage, and the choices we make today can impact how our loved ones navigate it. The decision lies in our hands – do we want to leave behind a legacy of financial security for our family, or do we want to burden them with additional struggles during an already difficult time of loss?
In the event of an unforeseen death or terminal illness, life insurance serves as a lifeline, offering a substantial financial cushion for your loved ones. This ensures that, even in your absence, your family can meet their monthly obligations and handle mortgage payments, providing them with a crucial sense of stability.
Beyond the financial aspect, life insurance extends a compassionate hand through bereavement support benefits.
This includes emotional support during the grieving process and an advance payment for funeral expenses, easing the emotional and financial burden on your family. Our team of specialists is committed to working alongside you, ensuring that you can rest easy, knowing that your family will be well taken care of, even when you’re not there to provide comfort and support.
“The future remains an unpredictable facet of life. Sooner or later, each one of us will reach the end of our journey; it’s merely a matter of time.”
Health Insurance
You and your family’s health is your most valuable asset. Your lifestyle can directly impact you and your loved ones. If you’re struggling with your health, it can affect your ability to care for your family.
Health insurance is essential in today’s fast-paced life since your health is crucial to maintaining your lifestyle and working. Can you afford the public health system’s long waiting lists and the lack of necessary treatments and drugs?
In case of a health issue, it’s crucial to have immediate access to the best available care for you and your loved ones.
Our health insurance specialist will collaborate with you to discuss your needs and help you create a personalized health plan that caters to your requirements. You can have peace of mind knowing that all your medical needs, including surgical and non-surgical procedures, cancer treatments, consultations with specialists, diagnostic procedures, and visits to optometrists and general practitioners, will be taken care of.
Critical Illness - Trauma Cover
Even with the incredible strides made in science and medicine that have brought some ease to our lives, unexpected illnesses and accidents can still disrupt our existence. These health challenges often strike at the times when we most need to be in top form. Consider the scenario of grappling with conditions like cancer, heart disease, or stroke, where the toll extends beyond just health to include a significant impact on our financial well-being.
It’s not just an individual struggle; the decline in health also ripples through to affect the financial stability of our families.
Navigating the difficulties of managing health issues, especially when it interferes with our ability to work, can be an intensely emotional experience.
The essence of trauma cover goes beyond mere financial support; it’s about providing a comforting assurance to you and your family by offering a lump sum in the face of specific critical illnesses.
The intricate world of medical terminology and insurance can be overwhelming, and having a compassionate guide to stand by you in choosing the right coverage for you and your loved ones can transform the entire process into a more humane and supportive journey.
Income Protection
Accidents and sickness are a natural part of life. Unfortunately, they can have a significant impact on your life and your ability to work. Whether the inability to work is temporary or permanent, it can have a severe financial impact on you and your family. This can include difficulty paying for necessities such as mortgage or rent payments, school fees, car payments, and other expenses.
In today’s world, protecting your income is crucial. Income protection insurance safeguards a portion of your earnings and is easy to understand.
If you are unable to work at least 10 hours a week due to illness or injury, income protection can pay you up to 75% of your pre-disability income on a monthly basis. This can be beneficial to cover your rehabilitation and retraining costs, allowing you to focus on your recovery without worrying about your daily expenses.
Having an income protection policy provides peace of mind, allowing you to recover fully before returning to work.
Mortgage & Rent Cover
Life has its twists and turns, and the unforeseen can happen—whether it’s an accident or an illness that keeps you from working. That’s where mortgage and rent cover steps in, offering you the flexibility to concentrate on your recovery without the added stress of financial commitments.
For many, their income is the linchpin for covering mortgage or rent and sustaining a particular lifestyle for their family.
With soaring house prices and the high cost of rent, it makes sense to have a plan in place to safeguard your mortgage.
This type of cover ensures you receive regular mortgage payments, tailored to your chosen option. It could encompass 110% of your mortgage or 40-45% of your income, giving you the reassurance that your financial responsibilities are taken care of during challenging times.
Total Permanent Disability
Our well-being is our greatest asset, and preserving it is a wise investment. However, just like any investment, there’s an element of uncertainty, often referred to as Total Permanent Disability. If such a situation befalls you, it can be devastating for your livelihood.
Life has a way of throwing unexpected challenges at us, be it an accident or a severe, permanent illness. These unforeseen events have the power to render you totally and permanently disabled, affecting your ability to work and provide for your family’s needs.
Total permanent disability is akin to a financial setback; it not only hampers your earning capacity but can also become a costly affair for your family as they care for you. To ensure that you and your family don’t face financial compromises in your daily lives, we’re here to provide a lump sum payment in the event of such a life-altering circumstance.
This assistance aims to help you and your family maintain a lifestyle similar to what you had before the disability or illness occurred.
Remember, inadequate insurance is almost as good as having none at all. That’s why our specialists are ready to engage with you, discuss the details, and assist you in finding the right coverage to protect against the uncertainties of such an unfortunate nightmare.
Miscellaneous
Medical bills from a long lasting illness could cause severe financial hardship, particularly if you have limited savings or heavy debts.
Financial stress could inhabit your recovery by forcing an early return to work or limiting your treatment options.
- Our specialist advisers work quickly and closely to take great care in understanding your personal or business situation to assess your needs and find a right solution for your needs.
- With time the things you need is change. Insurance policies include a lot of details, it could be a possibility that insurance you carrying for long time may not be relevant in today’s need. It could be waste of money. Contact us for obligation free reviews. We will help you understand and educate what your policy carry.
- Don’t hesitate to contact us if you think your insurance could be updated. We will help you to weigh up what’s best value for you money now.
- Our specialist team will not only helps you at the beginning, we will be there to help you at your toughest times means claim time. When we say we work for you, we mean it whether it is putting policy in place or work for you at your claim time (toughest time)
we are happy to help you
Life is busy and you have Million things to work on, at least we can take care of your insurance needs.
For an obligation free and charge free opinion Contact us today