Insurance

Are You Prepared to Risk the Cost?

Insurance is simply where you pass on the cost of risk to an accredited insurance provider.  So what choices are open to you? You could finance your own risk in the event of death or disability  or you can pay someone else to accept that risk for a fee. This fee, we call an insurance premium and it ensures that you're debts, family and business are covered in the event anything happens to you.  You're simply passing the 'risk' on to someone else!

We would be remiss, indeed we would not be compliant,  if we were to prepare a financial plan that did not fully consider the management of risk in your life. Life, Total and Permanent Disability, Trauma and Income Protection Insurance are offered by our Risk Department for clients who are not prepared to carry their own financial risk in the event of a traumatic event, injury, illness, disability or loss of life.

The Parkside InvestorPlus can prepare a reasonably priced but comprehensive risk plan, taking into consideration your debts, assets, business value and budget.

Trauma Cover

Should you be affected by a traumatic event or illness that prevents you generating income, running your business or functioning normally whether temporary or permanently, the financial effects could be catastrophic.

Trauma cover ensures that you can recuperate, modify your living arrangements and get your head around the big issues without financial concerns.

The benefits:

  • Covers living expenses while you recover
  • Pays off your mortgage to relieve financial stress
  • Pays immediately the trauma is incurred, no waiting period
  • Pays to have your car and or home adapted to meet your needs
    should you be disabled
  • Allows you to reduce working hours or make other lifestyle arrangements
  • Pays for a holiday to assist your recovery
  • Pays for ongoing treatment if it is required
  • Ensures that your business stays on its feet during your time of need
  • Offers the benefit of insurance, not just your family and beneficiaries
  • Provides a financial Safety net during times of great emotional stress.

Trauma cover generally protects you in the event of:

 
Coronary angioplasty Coronary Artery Bypass Surgery Major Head Trauma
Aplastic anaemia Deafness Stroke
Aorta Repair Dementia including Alzheimer’s Disease Major Organ Transplant
Benign Brain Tumour Diplegia Medically Acquired HIV
Blindness Heart Attack Multiple Sclerosis
Cardiomyopathy Heart Valve Surgery Occupationally Acquired HIV
Chronic Kidney Failure Hemiplegia Paraplegia
Chronic Liver Disease Loss of Independence Parkinson’s Disease
Chronic Lung disease Loss of Speech Severe Burns
Coma Malignant Cancer Quadriplegia