Our Needs Assessment process helps you to focus on what would happen to you or your loved ones if you became seriously ill, disabled or even died. It’s not something we want to spend much time worrying about, but with the right life covers in place you will have peace of mind knowing that you and your family will remain financially secure should the unexpected happen.

The problem with taking out insurance over the phone or "DIY" online is that without proper professional advice from someone with the right training, systems and experience, you will only know something isn't covered when it comes time to make a claim. Are you going to risk it all on what you know about insurance?

We can choose from a range of well known and reputable providers to provide one or more of the following products to custom design covers to suit your individual circumstances:

We recommend you take the time to meet one of our well trained Advisors and talk business or personal insurance...

Our Advisors

Life & Life Income Cover provides your loved ones with a lump-sum or monthly payment (or a combination of both) in the event of death or terminal illness, making their financial future more secure.

Income Cover provides a monthly payment if you are unable to work due to a total or partial disability which reduces your ability to earn your normal income.The monthly benefit is designed to replace a significant portion of your lost income to help maintain your lifestyle and continue to plan for your future during treatment and recovery.

Total and Permanent Disability Cover (TPD) provides a lump sum payment should you completely lose your ability to ever work again(or carry on your normal tasks, if you are not employed),as a result of illness or injury. You can use this lump sum to pay off debt, replace a lost income, pay for rehabilitation or any additional help you may need.

Trauma Cover provides a lump-sum payment in the event of a serious illness or accident, giving you financial freedom to control your own destiny; seek alternative treatment, get the help you need or replace a lost income.

Mortgage Repayment Cover provides a monthly payment to cover the cost of your mortgage if you are unable to work because of a disability. Peace of mind that your home remains secure if you can’t work.

Household Expenses Cover provides a monthly payment to cover the costs for your household expenses which are: Electricity, Gas, Water, Phone, Rent, Rates, Paid Television and Internet.

Premium Cover provides a financial safety net should you suffer a total or partial disability lasting longer than your chosen waiting period. The monthly benefit is designed to relieve you of the financial responsibility of paying your policy premium during treatment and recovery.

Private Medical Cover provides the funding to enable you to have private hospital treatment whenever you require more immediate access or a broader range of treatment options than are available to you through the public system.

Funeral Plan is designed to protect your family from the costs they don't want to think about.

The products we recommend are of the highest quality, providing you with comprehensive cover and peace of mind that you may not get elsewhere. Our advice is simple: don’t put off or take short-cuts with life insurance and related covers. Make the time to understand your needs by arranging an appointment with one of our Advisors.

"If Only I Had Listened" ... doesn't need to be your story.