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Life insurance generally provides an agreed amount upon the insured person’s death or terminal illness. This can help provide financial independence for a family in case of the loss of a homemaker or breadwinner.
Income protection insurance
Income protection insurance – also known as “salary continuance insurance”, pays a monthly income benefit to you if you cannot work due to illness or injury. Unlike TPD insurance, income protection may pay benefits for temporary conditions.
Total and permanent disability
(TPD) insurance
Total and permanent disability generally means a person is disabled to the extent that they are unlikely to ever be employed again in the type of work that they are qualified to do or any type of work.
Trauma insurance
Trauma insurance provides a lump sum payment where the insured person suffers one of a range of specific medical conditions, such as heart attack, cancer, and stroke. Unlike TPD insurance, a trauma benefit does not depend on a person.