Personal Insurance

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Financial security for your loved ones when they need it most.

• Pays a lump sum benefit if you pass away or are diagnosed with a terminal illness.
• Can help cover debts, living expenses, education costs, or provide long-term support for your family.
• Claims are paid on death from illness, accident, or natural causes.
• Premiums can be funded via Superannuation or personally.

Support if illness or injury stops you from ever working again.

• Provides a lump sum payment if you are permanently unable to work.
• Cover can be linked to your own occupation or any occupation for which you’re reasonably qualified experienced or trained in.
• Helps ease the financial burden of medical expenses, home modifications, or lost income.
• Premiums can be funded via Super or personally.

Cover for serious health conditions that change your life.

• Pays a lump sum benefit if you’re diagnosed with a listed medical condition.
• Can include partial payments for less severe illnesses, depending on your cover.
• Most common claims: cancer, heart attack, stroke.
• Can help with treatment costs, rehabilitation, or reducing financial stress during recovery.
• Premiums are funded personally.

Ongoing support if you can’t earn due to illness or injury.

• Provides a monthly payment to replace part of your income.
• Includes partial payments if you can return to work in a reduced capacity.
• Covers both physical and mental health conditions, one of the most common areas of claim.
• Helps cover bills, mortgage repayments, and everyday expenses while you recover.
• Premiums can be funded via Super or personally.

Financial protection if your child suffers a critical illness.

• Pays a lump sum benefit for child-related conditions such as cancer, severe burns, or major head trauma.
• Generally available for children aged 2 to 18.
• Helps parents cover medical costs, take time off work, or arrange specialised care.
• Premiums are funded personally.

Protection for unexpected accidents.

• Pays either a lump sum or ongoing benefit depending on the severity of the injury and the type of cover.
• Typical claims include fractures, dislocations, or accidental death.
• Can be funded via Super or personally.
• Provides peace of mind if you want low-cost protection specifically for accidents.