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If you are temporarily unable to work as a result of illness or accident, your expenses may continue even though your income may have decreased or ceased. Income Protection cover can help you maintain your family’s quality of life during the period of your recovery.

75% of your taxable income can be insured. Insurers generally require a copy of your tax return at the time of application and are open to discussion for sum insured amounts for self-employed people.

Income Protection Options include:

  • Waiting Period- This is the period of self-insurance and can range for the first 14 days out to a two year waiting period.
  • Benefit Period – This is how long the insurance company will pay a benefit for. Options generally range from a two year benefit to paying a benefit till you are age 70 depending on the company and your occupation.

Income Protection premiums are generally tax deductible.

Contact us today to review your insurance requirements for peace of mind that you and your family will be looked after in the unfortunate event of a claim.

courtesy of Asteron life Insurance

Life Insurance

We can assist you to apply and review Life, TPD and Trauma Insurance to protect your most important asset – You!

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TPD Insurance

Total and Permanent Disablement (TPD) occurs when, through illness or accident, you are unable to return to any, or your own usual, occupation.

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Trauma Insurance

Trauma Insurance (otherwise known as Critical Illness Insurance) provides a lump sum payment if you have experience Critical Illness or Trauma .

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Income Protection

Income Protection insurance helps take the financial pressure off you if you cannot work due to sickness or injury.

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Business Expense Insurance

Like Income Protection, Business Expenses Insurance ensures that in the unfortunate event where you are unable to work, your expenses can continue to be covered.

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