Types of Insurance
The different types of insurance — find what fits your life stage
Types of Personal Insurance
Level Premiums
There are options for premiums that don't increase with age.
It costs more at the beginning, but you can save thousands on the back end.
Life Insurance
Provides a lump sum payment to beneficiaries upon the insured person's death or terminal illness diagnosis. Helps cover funeral costs, outstanding debts, and financial security for loved ones.
Mortgage Repayment Cover
Covers mortgage payments if the insured is unable to work due to injury or illness, preventing financial strain or potential loss of the home.
Terminal Illness Cover
Offers an early payout of the life insurance benefit if the insured is diagnosed with a terminal illness, providing financial support for medical treatment and personal expenses.
Total and Permanent Disability (TPD) Insurance
Provides a lump sum payout if the insured becomes permanently disabled and unable to work due to the disability.
Survivors Income Cover
Ensures a regular income for surviving family members after the insured person’s passing, helping maintain financial stability.
Trauma Insurance
Pays a lump sum upon diagnosis of a major illness or injury (e.g., cancer, heart attack, stroke). Helps with medical expenses, rehabilitation, and necessary lifestyle adjustments.
Severe Trauma Insurance
An advanced form of trauma cover that provides higher benefit payments for the most critical medical conditions, such as late-stage cancer or severe neurological injuries.
Income Protection Insurance
Pays a monthly benefit if the insured is unable to work due to illness or injury, ensuring financial stability during recovery.
Specific Injury Cover
Provides set lump sum payments for predefined injuries such as fractures, burns, or loss of limbs, regardless of whether the insured can still work.
Health Insurance
Covers medical expenses, including hospitalisation, surgeries, and specialist treatments. Some insurers offer cancer-specific coverage.
Business & Key Person Insurance
Protects businesses financially if a key employee or owner becomes disabled, seriously ill, or passes away. Helps cover operational costs and business continuity.
Redundancy Insurance
Provides financial support in the event of unexpected job loss, helping cover expenses while searching for new employment.
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