Life Insurance


Life Insurance 101: Your Duty of Disclosure

IT’S NOT JUST LIFE INSURANCE The duty of disclosure applies to all types of insurance. Whether it’s your car, your house, your phone, or even your pet, you aren’t protected if you held back information that might be relevant. If there’s a problem, find out up front, before you pay away all those premiums… rather than when it’s too late and you have a claim denied.

Who needs life insurance?

TYPES OF LIFE COVER Life Cover - pays nominated beneficiaries a fixed amount of money if you die. Total and Permanent Disability (TPD) Cover - covers the costs of rehabilitation, debt repayments and the future cost of living if you are totally and permanently disabled. Trauma Cover - provides cover if you are suffer a major illnesses or injuries that will make a significant impact on a your life, (e.g. cancer or a stroke). Income Protection Cover- replaces the income lost through your inability to work due to injury or sickness.

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