Example Frame
    Multiple suppliers , multiple benefits covering multiple events. Full, Limited or Non-Advice models to match your need & budget. You have the choice to Choose!
    Will they be financially independant, if you died prematurely? Would they loose their income stream? Would they be exposed to debt they can't service? Life cover will negate these issues!
    Life Cover
    Life insurance will remove debt for your family if you died from cancer, do the same, if you survive! Cover up to forty-eight events! Trauma cover gives you the choice, to choose!
    Trauma Insurance
    Life can change in a Milli-second. Would your Family, your Future, your Retirement plans, your Dreams be at risk if you could never work again? Total and Permanent Disablement will cover this event!
    Total and Permanent Disability Cover
    Can you survive without your income? How would your Mortgage/rent be paid? Who will put food on your table? What is the longest holiday you can take before you need to get back to work? Insure the "front door" to your future, your Income!
    Income Protection
    Can you jump the medical waiting list or will you wait until your condition gets worse, to get better?  Can you fund the newer non-subsidized designer drugs? With Private medical cover, you can choose to get better today!
    Medical Cover
    "Cash is King" You insure your business plant, machinery and buildings, why not "YOUR KEYPEOPLE"? Revenue leads to profit. Would your profit be impacted if a Key Person died or was disabled? Use revenue contracts to provide cashflow!
    Revenue Cover
    Shareholder Equity is a valiuable asset. Protect it, using Shareholder's cover. Could your co-shareholders fund out the value of your equity to your estate, if you died or could never work again?
    Shareholder Cover
    Want to have happy employees and protect your bottom line? For the cost of a cup of coffee a week, you can provide security for staff and protect profit! With Group Insurance, you may cover pre-existing health issues & get wholesale pricing.
    Employees benefits

TPD (Total & Permanent Disablement)

Nine Suppliers - Multiple Options

We believe that this benefit has been one of the most misapplied benefits of all risk benefits available. We are constantly coming across clients who have been sold this benefit wrongly and the benefit in a majority of cases would be UNCLAIMABLE.

Total and Permanent disablement typically comes in three types (Own, Usual or Any) and effectively means that the life assured has suffered an event that has TOTALLY and PERMANANTLY Disabled them, they have been like this for 6 months or more (some now have reduced this term to 3 months or less) and he/she WILL NEVER WORK AGAIN (in own/usual/any occupation).

  • OWN - means they can't do the occupation that he/she was engaged in just prior to the incident that resulted in he/she being TPD. This is usually reserved for occupation classes 1, 2 and 3 for some suppliers but not all (low manual percentage).
  • USUAL - means that they can't do a range of occupations that he/she may be qualified for by their education and training (like occupations). This tends to be a definition that falls in the middle ground.
  • ANY - means that they can't do ANY occupation, which we believe is the worst classification of this benefit. There is a saying in the industry that "if you suffered an event that resulted in you becoming a vegetable, but you could lick stamps and earn an income, this definition of benefit would not be paid". We come across so many clients that have been sold TPD under this definition. These are typically older contracts, (where at the time the better definitions may not have been available). Most Bank contracts use this definition.

Clients/salespeople sometimes make the mistake with this benefit when talking about it, that because it is inexpensive (when you are young), that it should be included. We believe it should be discussed and if required, the best definition (own occupation) should be used in all cases where possible. If own occupation is not available due to the occupation of the client, then go to a supplier that has the "usual occupation" definition.

It also needs to be understood that this event is highly unlikely to happen and we would rather clients apply their budget to more claimable benefits such as trauma cover or income covers.

TPD can be a good back stop, provided it is applied correctly.



 Using the wrong classification "any occupation" when client can get "Own or if need be - Usual occupation".
  • Making the mistake that because it is cheap you should have it. Insurance works the other way around - a benefit that is cheap is usually that way because it is unlikely to happen. We also come across this issue with "death by accident insurance etc". With insurance, like a parachute, cheap is not always best.
  • Thinking this is Income protection insurance (Income covers pay a monthly benefit on claim). This benefit, pays a lump sum, but only after a qualification period of 6 months (some now 3 months) and you will never work again (subject to policy terms and conditions).
  • Some will pay on loss of "Use" of limbs other will only pay on the actual loss of the limb (cut off).