Personal Risk Insurance Specialists
Personal Insurance is an important consideration for individuals, their partners and families to protect their financial wellbeing in the event of an unexpected illness or injury. Your biggest asset is your ability to generate an income, and if you were unable to do so how would provide for yourself and your family?
Life & Terminal Illness Cover
Life cover will provide a lump sum in the event of death or terminal illness. The proceeds will secure the financial security of the beneficiaries allowing them to repay debt and fund ongoing income needs.
Total & Permanent Disability Cover
TPD will pay out a lump sum benefit in the event you are permanently unable to work due to illness or injury.
Proceeds could be used to retire debt or fund any changes to lifestyle that may be required.
Trauma
Insurance
Trauma cover pays a benefit upon diagnosis of one of over 40 specifically listed medical conditions; e.g. cancer, heart attack, stroke etc.
Proceeds can be used to take financial pressure off the insured., by covering extraneous medical expenses, repaying debt or allowing you to take time off work.
Income
Protection
Income Protection is designed to provide a monthly income if you are disabled and unable to work due to illness or injury. Benefit payments can be received up to age 70 if disabled for longer time periods.
Questions to ask yourself:
How would you and your family afford ongoing living expenses if you were unable to return to work due to sickness or injury?
How would your family support themselves if you or your spouse were to fall terminally ill or die?
Would a non-working spouse need to return to work just to be able to put food on the table?
How would you cope with the stresses of daily life and child care if you or your partner were to fall ill or suffer a trauma event (cancer, stroke, heart attack) whilst at the same time focussing on recovery?
How can Fairbridge Help?
With extensive experience in the Australian life insurance industry, Fairbridge specialist life insurance advisers are perfectly poised to provide you and your family with advice.
This may include the most appropriate levels of cover and structures of life insurance in order to ensure your goals and objectives are met.
Connect with us today
See how we can help. Contact us today.