Life and Personal Insurance
For most people their most valuable asset is their ability to earn an income. It just makes sense to obtain insurance to cover your expenses, debt, and the expenses of your dependents (e.g. wife, husband, spouse & kids) if you are unable to work due to an accident or illness, or if you pass away. At Stress Free Insurance we provide you with the education you need to make your own choices to obtain the cover you need in a simplified stress-free process.
Not all life insurance products available in the market are guaranteed renewable or fully underwritten. However, all life insurance products obtained through Stress Free Insurance are guaranteed renewable and fully underwritten.
Guaranteed renewable: Cover cannot be cancelled, and premiums cannot be increased due to any change in your health, occupation, or pastimes. Additionally, if your health, occupation, or pastimes change, no exclusions can be added to your policy.
Fully underwritten: Underwriting, including your medical history, your occupation, and your pastimes, is assessed at time of application rather than at time of claim increasing the chance of claims being paid.
Who can be covered:
Anybody with a mortgage, personal debt, or business debt
What will be protected:
Your mortgage, personal or business debt, living expenses for your wife, husband, life partner, or kids
Types of Cover
Income Protection
If you have an injury or sickness and can’t go to work, income protection is designed to pay an ongoing monthly benefit (e.g. 70% of your income) for the period you are unable to work. There are a lot of options available with income protection including the waiting period (how long until payment commences), benefit period (how long benefit payments continue), and payment methods (e.g. from your existing Super fund or out of pocket). We will provide you with all the information you need to choose the right cover.
Life Insurance or Death Cover
Total & Permanent Disability (TPD) Insurance
Trauma or Critical Illness Insurance
Child Cover
Business Expenses Cover
Accident Only Options
Learn more about our insurance service
by contacting the friendly team at Stress Free Insurance