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Protecting your lifestyle

Sometimes life does not always go according to plan, and without warning, we can suffer an injury, illness, or even premature death.

Have you ever thought how would you or loved ones survive if you were no longer able to provide for them or life takes a sudden turn?


With personal insurances, you will have peace of mind knowing that should the unexpected happen, you will be covered.


The four common insurances are:


Life cover: Life Cover pays your loved ones a lump sum benefit to cover the costs of the expenses incurred should you pass away. In addition to this, the right amount of death cover will also relieve your estate of any liabilities that you have incurred as well as provide your loved ones with funds to assist them during the grieving process


Total and Permanent Disability: Total and Permanent Disability insurance is designed to help take the pressure off you financially should you suffer an illness or injury that leaves you totally and permanently disabled and unable to work again. The lump sum benefit paid is often used to eliminate debts, cover the costs of medical expenses, or fund permanent lifestyle changes. For example, making the family home more accessible for your condition.


Trauma Cover: Trauma insurance is designed to pay you a lump sum benefit in the event of serious medical condition, such as Cancer, heart attack or stroke. The funds received can be used to help you whilst you recover as well as assist with the out of pocket expenses such as medical bills


Income Protection. Should an injury or illness force you to take time off work, Income protection will continue to provide you with a regular income to assist you in paying your day to day expenses, allowing you to focus on your recovery.


For more information, contact the friendly team at Modern You Financial Planners today for a free consultation

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