Risk Insurance
Risk insurance policies are financial products that will pay the policy holder if the ‘insured event’ – such as becoming unwell and being unable to work – happens.
Insured events, depending on the type of policy, may include things like temporary illness, permanent illness, temporary injury, permanent injury, or the premature death of the insured person.
Risk insurances insure your good health, which is actually your most important financial asset. That is why risk insurances are almost always the essential first step in any financial plan. Insuring yourself against a loss of income or earning ability allows you to ensure that life for you and your loved ones goes on with the quality you want, even if something unwanted happens.
We provide the complete range of risk insurance services: death cover, total and permanent disability (TPD), income protection and trauma cover. We help you calculate the type and amount of each cover that you might need, as well as discuss other ways that you can protect yourself against financial loss.
Relevant Articles

Income Protection #3 – Nothing Lasts Forever
Changes are happening to income protection insurance. In recent weeks we have discussed two major changes happening in the income protection world. This week, we discuss the third change, which affects the duration of an existing policy.

Income Protection #2 – 70% is the new 75%
Changes are happening to income protection insurance. One of the main changes has already taken effect and we discussed it in an article two weeks ago. There are two more major changes, the first of which we discuss this week. We will discuss the final change next week.

Income Protection #1 – Indemnity, Indemnity, Indemnity!
Changes are happening to income protection insurance. One of the main changes has already taken effect, with a couple of others slated for 2021. This article will discuss the changes that have already taken place and we will publish a couple of articles in November discussing the changes that are yet to come.

A bet you hope you lose
the mathematics underpinning life insurance has a lot in common with betting on horse racing. Because of this, most punters and most life insurance policyholders ‘do their dough.’ That said, life insurance is a bet you hope you lose - which makes it very different to backing a slow horse.