Insurance

	Income Protection
	Life and Total & Permanent Disablement
	Trauma
	Business Buy / Sell

Life and Total & Permanent Disablement

Life insurance will ensure your loved ones are left in a strong financial position should you pass away prematurely. A lump sum is paid on death, which is critical to meet outstanding debts and provide an income to your dependants.

It is extremely important that life insurance also provides for a payment on Total and Permanent Disablement Insurance (TPD). TPD insurance provides a lump sum payment should the life insured become totally incapacitated through injury or illness to the extent that he/she can never perform the duties of an occupation for which he/she is suited by education, training or experience.

The necessity of TPD in addition to life insurance is that a Total and Permanent Disablement will create the same revenue reduction as death would. It is therefore necessary to cover against this possibility.

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