Life and Income Protection
Pays the bills even
when you can’t
Are you properly insured?
It’s something we don’t want to think about but death or a major illness has the ability to cause chaos in your family. If you couldn’t work and bring in an income how long would it be before your loved ones would start experiencing serious financial hardship?
Who should be covered?
Though life insurance is mainly recommended for anyone with financial dependents and business owners, even single people should consider being covered for a terminal illness or total and permanent disability (TPD).
Income protection insurance is highly recommended to all people who earn an income, whether supporting a family or not. Most people just aren’t in a position to cover their bills and expenses for much more than a few weeks in the even of a major accident or illness. Even if you’ve been saving hard for a rainy day you might find you don’t have enough for a rainy month or longer.
What can be covered?
- TPD (Total and Permanent Disability)
- Income Protection
- Trauma Insurance
- Keyman Insurance
- Buy-Sell Insurance (or Partnership Buyout Insurance)
- Guarantor Protection (Business Loan Protection) Insurance
- Business Expenses Insurance
- Group Insurance – employee benefits
Tudor Insurance Australia (Brokers) Pty. Ltd. offer life and income protection through Steadfast Life.
Talk to a person, not a computer . . .
Did you know that what is actually covered can vary considerably between insurers? Often with exclusions or high excess payments that you may not be aware of. You need a broker who can assess your individual situation, offer the right insurance and explain precisely what is and isn’t covered.
It's easy to pay too much for insurance, but it's just as easy to pay too little then find out too late that you're not covered. There's a lot of flashy online insurance calculators out there but they focus only on price. Talk to Tudor and you talk to a real person who knows the what level of cover should be recommended and who will personally help you with a claim.
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Feel free to drop us a line or come visit us in person!
1st Floor, 9 Clyde Road Berwick Victoria 3806