#Personal #life #insurance #quotes
- Life Insurance
- Income Protection Insurance
- Total and Permanent Disability (TPD) Insurance
- Trauma Insurance
Other forms of personal insurance include:
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Life Insurance covers you in the event of your death or diagnosis of a terminal illness. In the case of terminal illness you are generally covered where you have 12 months to live.
As part of your life insurance cover, you will generally receive a lump sum payment that will either go to your nominated beneficiaries or in the absence of any nominated beneficiaries, to your estate.
Life Insurance can you help your family or loved ones pay any outstanding debts and provide financial security in your absence.
Income Protection Insurance protects you in the event that you suffer an accident or illness which prevents you from working. Income Protection Insurance will provide you with a monthly benefit that is generally up to 75% of your claim monthly salary.
TPD Insurance (Total and Permanent Disability) cover has been created to provide you with financial protection in the event this you become totally permanently disabled, as defined in the product disclosure statement (PDS) of your policy. You will receive a lump sum payment which can be used to pay any outstanding debts including medical bills.
Trauma Insurance provides you with a lump payment if you suffer a traumatic medical event. The medical conditions are outlined in your Trauma Insurance PDS and can include cancer, paralysis, heart-attacks and heart disease.
This policy can you help you cope with high medical costs and debts when going through a difficult time.
Personal Insurance definition also extends to cover:
Home Contents Insurance safeguards your home and contents from theft, fire or destruction. It is designed to bring your property back to its original state.
Car Insurance protects your car from damage if you are involved in an accident. Car insurance will generally cover other vehicle you damage in the course of a motor vehicle accident. Car insurances are varied in what they cover and some research is essential before you decide on the type of cover you require.
Private Health Insurance provides an extra layer of health insurance to the government provided Medicare. Private Health Insurance varies but will generally include both hospital coverage as well as ‘extra’s’ coverage such as dentist, physiotherapists, chiropractors, natural therapists and other medial professionals services.
Personal insurance cover comes in many different forms and from a wide number of providers. Call Life Insurance Direct to assist you in your Life Insurance, Income Protection Insurance, TPD Insurance or Trauma Insurance enquiries.
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