Tradesman Income Protection

Income Protection provides replacement income if, due to sickness or accident, an insured is unable to work at full capacity or at all. Most illnesses are not covered under Workers Compensation (unless they directly result from your employment); Income Protection policies can, however, provide cover and also usually include 24 hour, worldwide cover. 

Life Insurance

Life Insurance pays a cash lump sum in the event of death. The need for Life Insurance becomes greater with dependents and when liabilities such as a mortgage are accumulated. It will be important to relieve your family of debt and/or secure your family’s financial future.  
 
Some Life Insurance policies pay the benefit upon diagnosis of a terminal illness. Most policies offer optional cover for total and permanent disability and provide a benefit in the event of a serious permanent disability. 

Trauma Insurance

Trauma Insurance provides a lump sum payable for an insured who suffers one of the identified traumatic medical conditions such as heart attack or cancer. Suffering one of these conditions will require recuperation time without financial stress and possible significant lifestyle restructuring. Trauma Insurance can help protect current and future wealth creation strategies and avoid asset erosion.