Life insurance will provide a lump sum in the event of your untimely death to provide for the future of your family, extinguish debts or a variety of other reasons. Policy ownership, beneficiaries and levels of cover can vary with every individual, which would be discussed with your financial adviser.
Income Protection Insurance
Income protection insurance will provide you with up to 75% of your income in the event you become unable to work due to sickness or accident to ensure you maintain your lifestyle. These policies can have a variety of benefit periods, waiting periods and ownership structures which would be discussed with your financial adviser.
Total and permanent disability insurance will provide a lump sum in the event of becoming totally and permanently disabled and unable to work. These types of policies can have various definition types and policy ownership structures to name a few options which would be discussed with your financial adviser
Trauma insurance will provide a lump sum in the event of suffering a specific condition/ event covered under the trauma policy. These types of policies can vary in quality from insurer to insurer as some policies will cover more conditions/ events than other policies, again making this an important discussion with your financial adviser.
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