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Financial Services

Personal Risk Insurance


Our specialist team of personal risk consultants takes an educative approach so you are well equipped to choose the most appropriate insurance package that will help you achieve your business and lifestyle goals.

We specialize in the four major types of personal risk insurance that are commonly needed;

  • Income Protection

    A benefit paid monthly if ill or injured and unable to work or replace the income generated by any party who makes a contribution to the essential living expenses and retirement planning expenses.

  • Life Insurance

    A lump sum benefit paid at death to clear debts and to provide an income stream for dependents and to cover funeral costs

  • Total & Permanent Disability (TPD)

    A lump sum benefit paid if TPD criteria are met

  • Trauma Cover

    A lump sum benefit paid for a critical illness event (e.g. heart attack, stroke, cancer etc.)

Business Succession Planning

How would the revenue currently generated by the business be affected if one of the key income generators was temporarily or permanently absent from your business due to illness, injury or premature death?

We are passionate about protecting your financial future. We specialize in the following types of business risk insurance;

  • Buy/ Sell Agreements

    A Buy/Sell Agreement defines the process for the orderly transfer of ownership of the business to the surviving owners(s), should one of several trigger events such as death or serious disability, occur.

  • Key Person Insurance

    The purpose of Key Person Insurance is to provide an amount of money to offset the estimated loss to the business that will arise upon death, disablement, or critical illness of that key person.

Contact us today to discuss your unique insurance requirements.