Personal Insurance

Income Protection
More than four out of five Australians insure their car1, yet less than a third of us insure the source and support of our lifestyles – our income.


Income protection cover (also known as salary continuance) pays a monthly benefit of up to 75% of your regular income if you’re unable to work due to sickness or injury, so you can still meet your living expenses.


Total and permanent disablement (TPD)
TPD cover provides a lump sum if you become unable to work due to a permanent disability. This cover can help you pay for medical expenses, repay major debts and help provide for your future.


Trauma cover
Trauma cover provides a lump sum if you’re diagnosed with a medical condition or undergo a procedure outlined in your policy. This may include a heart attack, major organ transplant, cancer or stroke — to name a few.


Trauma cover is designed to help cover your medical costs and living expenses, providing you with some financial security during the important recovery period.


Death cover
Death cover may be important for people of all ages, especially if you have others relying on you and large debts such as a mortgage.


Death cover provides a lump sum to your beneficiaries if you die. This can be used to help meet the costs of your mortgage, other debts and/or cover your family’s future expenses. Many policies make an advance payment of the insured sum if you are diagnosed with a terminal illness.


Business overheads insurance
Business overheads insurance reimburses you for eligible business overheads if you’re unable to work due to sickness or injury. It’s suitable for people, such as small business owners, whose business cash flow is largely generated by their personal efforts.