Securinvest Financial Planners

Income Protection Insurance
Income protection insurance provides income replacement while you are totally or partially disabled and unable to work as a result of your injury or sickness. With income protection issued through a life insurance company you can nominate different waiting periods ranging from 14 days to 2 years. 30 days would be the normal waiting period for benefits payable up to the age of 65. With income protection you are able to cover up to 75% of your current salary.

Life Cover
lIt is important to be aware of the disruption caused by death or a period of illness without the benefit of Life Cover. In the event of death the beneficiary will be paid a lump sum benefit to cover the existing debts and expenses so that they are able to continue to provide for dependant family members without the loss of the lifestyle they currently enjoy. The amount of this cover should adequately meet all existing debts and any other expenses arising from death.

Total & Permanent Disability
Total and permanent disability insurance can be added to your Life Cover policy. This protection can offer the same cover as your life policy yet be paid out should you become permanently disabled and unable to return to work.

Trauma
With trauma cover a lump sum is paid if you suffer a specified trauma condition, which can include cancer, heart attack or stroke. Whether or not you consider this type of protection will depend on how you perceive the risk of yourself suffering one of these debility conditions.

Insurance Services
In addition to the personal protection policies mentioned here, Securinvest are also able to refer clients on to respected general insurance brokers for cover such as home and contents and motor vehicles.