Life, Total Permanent Disability (TPD) and Trauma insurance - keeping you covered for the unexpected curveballs
While we all hope for a long and healthy life, sometimes things don't go as planned. Making sure you have the right mix of life, TPD and trauma insurances in place ensures peace of mind that those you love are looked after if the unexpected happens.
Premium Finance are independent insurance advisers and we have access to a wide selection of insurance products which means we can ensure you have the right insurance that suits your requirements. Contact us to make an appointment.
Life insurance pays out a lump sum or ongoing payment in the event of your death, and some life insurance policies offer a payout after an accident, illness or injury depending on the circumstances and outcome of these events.
Life insurance can provide for those left behind to cover anything from funeral expenses to debt clearance and future education for children or a retirement fund for a spouse. Talk to us about what type of life insurance and level of cover is best for you.
Total Permanent Disability (TPD) insurance provides a lump sum payment if you're permanently disabled due to illness or accident. It can provide an income if you can't work and can be used for any purpose including living expenses, employing a full time caregiver or making modifications for easier home access, therefore freeing you financially to focus on your recovery.
TPD insurance doesn't affect any ACC you are eligible for if your disability is the result of an accident.
Trauma insurance provided a lump sum payment if you suffer a serious or potentially life threatening condition e.g. heart attack, stroke, cancer, loss of a limb. Most people can live for many years after a traumatic medical event or illness and this payment can supplement lost income, purchase equipment or help with treatment while you recover.
Talk to us about the different injury and treatment covers available, and also whether trauma insurance or income protection insurance is your best option.
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