Personal Insurance
A well-structured personal insurance plan can provide the financial support you need during life’s toughest moments, such as premature death, terminal illness, trauma, or long-term illness and disability.
Talk to our advisors
Types of Personal Insurance
Accident or Illness Cover
Personal Health Plans
Life cover provides a lump sum payment upon the death of the insured person. It is an essential insurance for anyone with family, business or debt, which needs to be paid. The financial strain upon dependants at this time and beyond may be severe, as they strive to maintain their lifestyle and also pay for:
- Funeral costs
- Estate services
- Counselling costs
- Childcare
- Children's school fees
- Daily living expenses
- Hire purchase (HP) payments
- Mortgage repayments
- Existing debts (such as credit cards, leases and loans)
- Business debts and running costs
- Hire purchase (HP) payments
- Mortgage repayments
- Existing debts (such as credit cards, leases and loans)
- Business debts and running costs
Finlife CEO Gregor Mansfield explains: “Life insurance is about certainty, transferring financial risk to an insurer that can pay when you’re unable to. My role is to help people put the right amount of money in the right hands, at the right time, when life doesn’t go to plan.”
Income Protection & Trauma Cover
What would happen if you were unable to work for an extended period? Would you be able to maintain your current lifestyle and also afford:
- Medical expenses
- Food, Coffee & Petrol costs
- Insurance premiums (e.g., Car, Home, Contents, and Life Insurance
- Planned travel
- Mortgage or Rent repayments
- Business debts and running costs
- Counselling costs
- Childcare
- Children's school fees
- Retirement planning
- Loans (including HP, lease and loans)
- Business running costs (including staff)
- Childcare
- Education fees
Income Protection & Trauma Cover insurance products are designed to alleviate your financial stress should an accident or illness prevent you from working and provide you either a lump sum or monthly payments. This cover is a vital part of your recovery, as it enables you to have less stress, helping you recover faster.
Putting this insurance in place today will give you long-term peace of mind. You’ll know that, if the unexpected happens, the income will be there when you need it most.
Personal Health Plans
Health insurance can protect you against the high costs of private hospitalisation and surgery, and typically includes cover for:
- Surgical costs including surgeon's fees and anaesthetist fees
- Hospital charges in relation to confinements required for medical illness or surgery
- Specialist visits
- Diagnostic tests
- GP visits
We usually recommend visits to your GP are funded by you, and the more unpredictable and significant costs, such as surgery and hospital confinement, are taken care of under your insurance cover.