Personal Risk
Uncertainty is a fact of life. But we can help you eliminate much of that uncertainty and gain peace of mind by taking out the right personal insurance.
Calculating the insurance you need and then selecting from the array of products available can be a daunting process. Mortgage One Financial Services is here to make insurance simple, fast and cost-effective so you can get on with life.
There are a number of insurance options available:
Income Protection Insurance will provide you with an income while you are unable to work due to injury or illness. You receive a monthly benefit until you recover, or until the end of an agreed benefit period.
Term life, also known as life insurance, covers your life and pays a lump sum on your death or terminal illness.
Trauma insurance pays a lump sum on diagnosis of a range of serious illnesses, including heart attack, stroke and malignant cancer.
With a TPD policy a lump sum will be paid in the event that you are unable to work due to injury or illness for at least six consecutive months. You can also get cover for non-working spouses.
Business expenses insurance covers business owners and operators in the event of sickness or injury, which could have a major impact on the business. Business Expense insurance covers fixed business expenses, enabling the ongoing operation of the business.
A Keyman policy is designed to protect a company from the loss of a key person within the business.
Keyman insurance can help cover the costs of replacing the “key man” in the business or help compensate for losses that occurred due to the loss of the “key man” from within the business.
In partnerships, Keyman cover can help protect each partner. If a partner of a business dies, usually the other partner(s) need to purchase the shares of the business from the deceased family. A Keyman policy will permit this to be easily facilitated with correct buy-sell agreements in place.
Contact Us for more information and to discuss suitable insurance for your unique situation.