Trauma / Permanent Disability

TRAUMA COVER

To provide a lump sum when a covered condition is suffered to help alleviate its financial impact by financing home modifications or specialist equipment, or creating an investment fund, among other things at your clients discretion.
Minimum Entry Age – 0
Maximum Entry Age – 70
Expiry Age – Life
Minimum Sum Insured - $1000
Maximum Sum Insured - $3,000,000 on Personal Protection Plan, $5,000,000 on Business Protection Plan.
Worldwide Cover – Yes
GST – Applies to premiums and claims

SEVERE TRAUMA COVER

To provide a lump sum when a covered condition is suffered, to help alleviate its financial impact by financing debt repayment , home modifications or specialist equipment. Or creating a investment fund, among other things at your clients discretion.
Minimum Entry Age – 0
Maximum Entry Age – 70
Expiry Age – Life
Minimum Sum Insured - $1,000
Maximum Sum Insured - $3,000,000 on the personal protection plan, $5,000,000 on business protection plan.
Worldwide Cover – Yes
GST – Applies to premiums and claims

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SPECIFIC CONDITION COVER

To provide a lump sum benefit when a specified condition is suffered, to help alleviate the financial impact by replacing lost income , or financing home modifications

Minimum Entry Age – 16

Maximum Entry Age – 70

Expiry Age – 70

Minimum Sum Insured - $100Maximum Sum Insured - $30,000Maximum Replacement Ratio – Up to 100% of pre tax monthly income

GST –Apply to premiums and claims.

TERMINAL ILLNESS COVER

To provide a lump sum upon diagnosis of a terminal illness or a non survivable accident. Client has to survive for 30 days following the diagnosis or accident.Minimum Entry Age - 0

Maximum Entry Age – 70

Expiry Age – Life

Minimum Sum Insured - $1000

Maximum Sum Insured - $500,000GST- Apply to premiums and claims

Worldwide Cover – yes

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TOTAL & PERMANENT DISABILITY COVER

To provide a lump sum upon total and permanent disability to help reduce debt, create an investment fund , or pay for home modifications, among other things.Minimum Entry Age – 16

Maximum Entry Age – 62

Expiry Age – Standalone to age 65, then converts to accelerated if life cover is present on the policy.

Minimum Sum Insured - $1,000

Maximum Sum Insured - $5,000,000

Unemployment and Leave Without Pay – If longer than 12 months reverts to class 5

GST – Apply to premiums and claims

Worldwide Cover – Yes

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