Life Insurance and Income Protection

Life is a risky business by nature at the best of times, but a sound insurance policy can help relieve the financial pain, at least, of just about anything that gets thrown at you.

Income Protection

Designed to replace 75% of your income in the event that you are unable to work due to an accident or illness.

Business Expenses

Providing protection for business overheads (fixed operating expenses) following injury or illness. This cover is commonly confused with ‘Business Interruption’ Insurance covered elsewhere on this website.


This cover provides a lump sum payment in the event of specific medical conditions or events e.g. cancer, stroke, heart attack. Having this cover in place allows you to focus on recovery without eroding your existing wealth and savings during this time.

Life Insurance

Life insurance provides a lump sum payout in the event of death or a prognosis of death, with the aim to provide income to dependents and resolve debt.

Total & Permanent Disability (TPD)

This cover provides for a lump sum payment after a consecutive 3 month period of total disablement following medical advice that confirms you are unable to work again, either at your own occupation, or any other occupation depending on the type of cover you purchase.

Key Person

The term ‘Key Person’ refers to a person or employee on which the success or successful continuity of a business is dependent. If the ‘Key Person’ dies or becomes disabled, their major contribution disappears, resulting in the financial demise or suffering of the business. Key Person insurance provides funds to assist the business to implement contingencies and continue adequate operations .


Part of a business succession strategy allowing one partner to buy out a deceased or disabled partner’s share in the business, funded by the insurance policy.

Accident, illness and early death – it might never happen. But if it does, who will be there to look after you, your business and your family? Professional Essentials, that’s who.

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