Personal Insurance
Insurance is a “rainy day fund” that helps protect you and your family when health issues arise unexpectedly. None of us can predict when illness, injury, or medical challenges will occur, and covers like life, trauma, income protection, and health insurance are designed to ease the financial impact when they do. Together, they provide a buffer against life’s uncertainties, giving you confidence that if your health takes an unexpected turn, you and your family will have the support you need to manage it and focus on your wellbeing.
Life Cover
Life insurance is designed to protect the people who rely on you financially. If you pass away or are diagnosed with a terminal illness, it provides a lump-sum payment to your family or chosen beneficiaries. This money can help cover living costs, repay debts, fund education, or simply give your loved ones financial breathing room during an incredibly difficult time.
Life insurance isn't for you - it's for those you leave behind. In essence, life insurance is a way to make sure your family has a financial “rainy day fund” when they need it most, providing stability, support, and peace of mind after you’re able to provide it yourself.
Trauma Cover
Trauma cover provides a lump-sum payment if you’re diagnosed with a specified serious illness or medical condition—such as cancer, a heart attack, or a stroke. It’s designed to ease financial pressure during a challenging time so you can focus on treatment and recovery.
This payment can help cover medical costs, take time off work, or make lifestyle adjustments. Think of it as a financial buffer that supports you through some of life’s toughest moments.
Total and Permanent Disability Cover
Total and Permanent Disability cover (TPD) pays a lump sum if you suffer an injury or illness that means you’ll never be able to work again. It helps protect your long-term financial wellbeing by providing funds to adjust your lifestyle, pay off debt, or secure ongoing care.
TPD is long-term financial protection—supporting you when your ability to earn an income is permanently affected.
Income Protection
If you suffer from a long-term illness, what happens to your job? You'll be able to use your remaining sick leave, then your annual leave, and then what?
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Income protection replaces part of your income if you’re unable to work due to illness or injury. It ensures you can keep on top of essential expenses—such as your mortgage, rent, bills, and everyday living costs—while you recover. This cover keeps your household financially stable, giving you time to heal without the added stress of lost earnings.
Mortgage Protection
Mortgage protection is designed to cover your home loan repayments or your rent if you’re unable to work due to illness or injury. It ensures you can keep up with your mortgage while you recover, protecting your home and easing financial pressure during a difficult time.
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This cover helps keep your household stable and secure, giving you space to focus on getting well without the added stress of worrying about the roof over your head.
Injury Cover
Injury cover is designed to protect your financial wellbeing when you suffer from an accident or injury. While ACC helps with medical bills associated with accidental injuries and will often replace lost income, it doesn’t always cover everything — and that’s where injury cover steps in. It provides an extra layer of support by paying a benefit if you’re hurt and can’t work as normal, helping you stay on top of your bills, household costs, and recovery needs.
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Because injuries can happen without warning, injury cover acts as a helpful “buffer” against life’s unpredictability — giving you confidence that if something goes wrong, you’ll have the support you need to focus on healing.
Medical Insurance
Medical insurance (sometimes called health insurance) helps you access the care you need, when you need it — especially when your health takes an unexpected turn. It covers the cost of private treatment, specialist appointments, and surgeries, giving you faster access to healthcare without long public waiting times.
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Because health issues can arise suddenly and without warning, medical insurance acts like a “rainy day fund” for your wellbeing. It ensures you can get prompt treatment, focus on recovery, and avoid the stress of delays or unexpected medical costs.