Personal Insurance
Personal Insurance
We believe in long term view that is why we offer a free review annually revising your insurance strategy is important we will call you annually to see if there has been a change in circumstances
Whatever your new circumstances may be, it's important to review how your insurance needs may have changed. So whether you've had a new baby, moved home, been promoted at work or are preparing the kids for high school
Life insurance secures the financial future of those you'd leave behind if you died. It insures you for a particular amount, which can be used for the future needs of your family, such as paying off the mortgage or funding school fees.
This gives you a monthly income protection payment of up to 75% of your earnings if you're unable to work due to sickness or injury. It helps cover your current living costs, such as mortgages, school fees and car repayments.
Critical Illness insurance cover pays a lump sum that lightens the financial load of a serious illness, so you can concentrate on getting better. Only with MLC Critical Illness insurance you also have access to Best Doctors , which connects seriously ill people to leading specialists who can help with your diagnosis and treatment plan.
TPD insurance provides you with a lump sum payment if you become totally and permanently disabled and can't work. It can help pay medical costs, debts or make alterations to your home to help you adjust to your disability.
Unlike stepped premiums, are consistent over time so you can avoid the additional cost in later life when you're more likely to claim. However, unlike stepped premium, level premium (excluding CPI and the policy fee) doesn’t go up by age-related increases.
Let's face it, most of us would rather our spend time and money on enjoying life now than taking out insurance. But protecting your family's future doesn't have to compromise your current lifestyle and budget. Here are some strategies to make insurance more affordable:
Buying insurance through your super means you may be able to take advantage of tax concessions that may make it cheaper than insuring outside super.
In some cases, you may be eligible for a discount if you pay your premiums annually, rather than monthly.
When buying Income Protection, choose a longer waiting period for your benefit payment and a shorter benefit payment period to significantly reduce your premiums.
Total and Permanent Disability (TPD) Insurance
Total and Permanent Disability insurance pays a lump sum if you suffer total and permanent disability and are unable to return to work.
The possibility of becoming permanently disabled is not something that we often think about however it is a risk we all face during our lifetime.
TPD insurance protects you and your family if you are permanently disabled and unable to earn an income. TPD insurance pays a lump sum which may assist in paying mortgage repayments, medical expenses and ongoing living expenses.
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Trauma Insurance
Trauma Insurance pays a lump sum on diagnosis of a range of serious illnesses. Serious illnesses covered might include heart attack, cancer, stroke etc.
Most people know somebody who has suffered a serious illness during their life. Being diagnosed with a serious illness can cause severe financial trouble for you and your family without adequate cover.
Trauma insurance can ease the financial burden during this time and can be used for whatever purpose required such as repaying debts, specialist medical care, mortgage repayments etc.
Each company has defined 'traumatic events' From cancer to strokes
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Life Insurance
Life insurance provides a lump sum benefit payment if you died or were diagnosed with a terminal illness.
The emotional impact of our death on our loved ones would be so devastating that the financial impact of our death on our loved ones life is not something we often think about.
Take a moment to think about how your loved ones might be affected if you were to unexpectedly pass away, how would they manage financially? Would they be able to meet debt repayments? Would they need to sell the house? Would your children need to move schools?
Life insurance provides financial security to protect your family and the life that you built if you were to unexpectedly pass away.
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Income Protection
If you are injured and unable to work Income Protection insurance usually provides up to 75% of your income until you are able to return to work.
Most plans in life are dependant on your ability to earn an income. Plans such paying off the mortgage, the school you send your children to, retirement etc. can be seriously affected if you lose your ability to earn an income.
Income Protection provides you with the security of knowing your family's financial plans will be protected if you are unable to earn an income.
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