More Information
- Life Insurance
- Trauma Insurance
- Total & Permanent Disability
- Income Protection
- Business Expenses Insurance
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Term Life Cover
Term life insurance provides a lump sum payment on the death of the life insured.
TDP
Total and Permanent Disability (TPD). This type of insurance provides a lump sum payment if you become totally and permanently disabled. The meaning of total and permanent disability is defined in each policy document, but generally if a person is unable to work again in their own or any occupation for which they are suited by training, education or experience the benefit is payable.
Trauma Insurance
Trauma insurance provides a lump sum payment in the event of you being diagnosed with one of a specified range of critical illnesses. The list of conditions covered is often optional, and varies between companies, as do the definitions of those conditions. The benefit can for be used for any purpose such as to provide for the cost of medical expenses, to repay debts, or to provide money for you to live on until you are able to return to work.
Income Protection
Income Protection insurance provides you with a regular source of income should you be unable to work for a period due to sickness or injury. You can generally insure for up to 75% of your normal income and there are a number of options available relating to how soon you will be paid, and for how long.
Annual Income
Please enter your gross annual income before tax including income from all sources.
Type of Policy
Agreed Value Policy
An agreed-value policy requires you to prove your income at the time of application. This gives you peace of mind when it comes to claim time, that you will receive the monthly benefit you originally applied for, regardless of any changes to your income. These premium on these policies is higher than that of an indemnity policy.
Generally speaking, this type of policy is recommended for self-employed people as their income is more likely to vary.
Indemnity Policy
An indemnity policy enables you to simply specify your income at the time of application, and then at claim time you will provide proof of this. If, at claim time, your previous 12 months income is less than what you originally specified, your claim will be paid according to the reduced amount.
Waiting Period
The waiting period refers to how long you are unable to work for, before your insured monthly benefit payment commences. The longer the waiting period, the lower the premium, however it is important for you to consider how long you could survive without income for, before you select a longer waiting period.
Benefit Period
The benefit period refers to how long your insured monthly benefit will be paid to you, if you are unable to work. The longer the benefit period selected, the higher the premium.
In order to receive an obligation free quote, please complete the form below. Please provide accurate information as this will enable us to research and prepare the most appropriate comparison of insurance products for your individual needs. Feel free to write any additional queries in the comments section below.
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Please note insurance is only available to permanent residents of Australia, or those who are in the process of applying for permanent residency. Privacy: Please note you are required to submit personal details in order to obtain a quote. We operate under the National Privacy Principles, your information is used only for the purpose of generating quotations. We will never pass your details onto third parties.
© 2007 - Her Life Pty Ltd is an Authorised Representative No. 313904 of Guardianfp Ltd trading as Guardian Financial Planning ABN 40 003 677 334 Australian Financial Services Licence No. 237641