People Protection Insurance

This coverage provides financial security for individuals and their families through personal insurance solutions that protect against illness, injury, or unexpected life events that could impact your income and financial stability.

We offer comprehensive protection including life insurance, income protection, critical illness coverage, total and permanent disability insurance, and trauma cover to address various personal risk scenarios.

Income protection provides regular payments (typically up to 75% of your pre-disability income) if you're unable to work due to illness or injury, helping maintain your lifestyle and meet financial commitments during recovery.

Anyone with financial dependents, mortgage or debt commitments, or those wanting to safeguard their family's financial future should consider personal protection coverage.

Life insurance provides a lump sum payment upon death, while trauma cover pays a benefit upon diagnosis of specific serious illnesses like cancer, heart attack, or stroke, helping with treatment costs and recovery.

Coverage should typically cover outstanding debts (especially mortgage), living expenses for dependents, education costs for children, and final expenses. We can help calculate your specific needs based on your circumstances.

This depends on the condition and insurer. Some conditions may be covered with premium loadings or specific exclusions, while others might require specialized underwriting. Full disclosure during application is essential.

Yes, most policies allow you to increase, decrease, or modify coverage during key life events like marriage, having children, purchasing a home, or career changes to ensure your protection remains appropriate.

Waiting periods typically range from 14 days to 2 years, allowing you to balance premium costs with your financial resilience. Benefit periods can extend from 2 years up to age 65 depending on your needs.

Income protection premiums are generally tax deductible, while life insurance premiums typically are not. We recommend consulting with your accountant for advice specific to your tax situation.