Team Gopal are able to provide advice for your risk insurance needs. We provide advice on the following products...
As your personal situation changes due to various family, work and financial commitments, your risk in turn will evolve. As such, you may consider getting a life insurance policy which provides a lump sum payment in the event of death. This lump sum can be used to reduce debts, funeral costs, etc.
This product is for serious health events such as strokes, cancer, heart attacks, etc. Each policy will provide a list of covered conditions which are serious and potentially life threatening. Such events may impact you financially, hence the product will provide a lump sum to help alleviate the financial strain caused by the event.
Everyday we face varying levels of risk to injuries or illnesses depending on our hobbies, work environment, lifestyle, etc. TPD is a product designed to alleviate the financial strain as a result of an injury or illness where you completely lose the ability to work ever again or if not employed unable to complete day to day tasks.
Sometimes we find ourselves unable to go to work and complete day to day tasks due to a sickness or injury. This may be temporary until further treatment and recovery time has passed. Income protection is a product that provides certainty of income for a period of time when you are unable to work and recovering for an extended period.
In the scenario you are off work due to injury or illness and you are not receiving your full income, you may find yourself struggling to manage your mortgage repayments. Mortgage protection provides the benefit of meeting these repayments whilst you are recovering from your injury or illness.
The public health system for medical treatments has its limitations. Medical insurance provides the funding to give you access to private medical insurance treatment should the need arise. The benefit of the product is the immediate access or a broader range of treatment options when compared the public health system.