Personal Insurance
Life Insurance protects your family’s financial security should the worst happen to you, with the payment of lump sum benefits. This payment can be used to help cover mortgage payments, school fees, day to day bills, groceries and other living expenses.
Life insurance has inbuilt features covering for terminal illness as well as advance payment to cover the funeral cost.
Total permanent Disability also know as TPD which pays lump sum benefits in the event of you become totally and permanently disabled and are unlikely to work again. Total permanent disability can be taken for your own occupation and any occupation. Total permanent disability can happen due to any illness including mental health or due to any bodily injury.
Trauma or its also called Critical illness provides lump sum benefits if you are diagnoses with a specified medical condition, serious injury or if you undergo a certain medical condition.
Trauma cover usually helps with 43 – 58 medical conditions such as: Heart attack, Cancer, Stroke, Major organ transplants etc…..
Here is the list of medical conditions where you receive 100% lump sum benefits on the diagnoses of Heart conditions such as heart attack, Cardiac arrest, Open heart surgery, Brain conditions such as Dementia, Parkinson’s disease, Stroke, Cancers and Tumours, nervous system disorders, Mobility conditions such as loss or paralysis of limb, Muscular dystrophy, Blood conditionssuch as aplastic anaemia, HIV, Sensory conditionsfor Blindness, Deafness, Body organ conditions or Other events such as Burns, Coma, Diabetes……
Also, partial payment is made for 14 other critical illness conditions which are Cancer and Tumours including Benign tumour, brain surgery and Melanoma, Body organ conditions, Brain disorder condition, sensory conditions and other events such as burns, Diabetes and critical care…
Income Protection: The ability to earn an income is an important asset. An injury or sickness that prevents you from working can have a significant financial impact, both short term and long term. Income protection insurance aims to minimise this financial impact of sickness or injury by replacing income lost during a prolonged absence from work.
Business expense insurance can help you with the business-related expenses in order to keep the business going while the insured person is unable to work due to personal injury or sickness.
Sickness/Injury Insurance
As the old saying goes, accidents do happen! A simple spot of DIY around the house could result in a broken bone, loss of sight, a severed limb or even worse, death. All of which could cause you to be out of action for some time or even permanently! An accident is probably the last thing you can afford in operating your business.
Having Personal Accident & Illness (PA) insurance covers you for loss of income if you were unable to work as a result of an injury or illness. The cover is generally available regardless of whether or not you sustain injury or develop an illness due to your work.
If you were temporarily unable to work due to the accident or illness, your cover could pay you a benefit of up to 85% of your salary.
There is also an option to potentially cover you for accidental death or disablement, which can provide a lump sum payment to your beneficiaries if you die in an accident or to you if you suffer a permanent disabling injury.
Everybody has their own unique circumstances and needs when it comes to Personal Accident and Illness insurance. To meet these needs there are different waiting periods (how long you have to be out of action before the cover kicks in), benefit periods and benefit levels available.
Getting cover doesn’t have to be hassle and involve visits to the doctor, you can get cover without any forms or medicals (please be aware that you won’t typically be covered for any pre-existing medical conditions/injuries or any hazardous activities that you participate in). With Integrity Insurance, you can get quotes and Personal Accident and Illness insurance within minutes and once covered you will be protected 24/7!
