Types of insurance

What if?Which Insurance suits best?What does it do?
I am unable to work due to sickness or injuryIncome ProtectionIncome Protection can cover you for a monthly benefit up to 75% of your income to replace lost earnings if you become disabled and are unable to work.
I pass away and want to make sure my loved ones are protectedLife InsuranceHelps your family maintain their financial position in the event of your death by providing your beneficiaries with an agreed lump sum.
I am very ill, and want to focus on getting better, rather than worrying about my financesCritical Illness InsuranceTakes away your financial worries, by paying you a cash lump sum if you develop certain critical illnesses so you can get back on track.
I am permanently disabledTotal and Permanent Disability (TPD) InsuranceTotal and Permanent Disability cover offers financial security for the unexpected by providing you with a lump sum if you suffer total and permanent disability and are unable to work again.
I am unable to run my businessBusiness Expenses Insurance.Business Expenses reimburses you for fixed expenses incurred to keep your business going if you become totally disabled and cannot work.
My business partner dies or becomes disabled or falls very illLife Insurance
Total and Permanent Disability (TPD) Insurance
Critical Illness Insurance
Insures your business partners so you receive a lump sum to buy your partners share of the business.
One of my employees dies, or is permanently disabled, or falls critically ill.Life Insurance
Total and Permanent Disability (TPD) Insurance
Critical Illness Insurance
Helps your business offset the loss of revenue associated with the loss of a/the key person/people who is/are responsible for driving the revenue of the business.
One of my employees dies, or is permanently disabled, or falls critically illLife Insurance
Total and Permanent Disability (TPD) Insurance
Critical Illness Insurance
Provides your business with the ability to satisfy creditors and maintain your credit status through the period that you are unable to work. Debt protection also protects your assets pledged as security for lending.

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