Life & Terminal Illness Insurance

The idea behind Life insurance is, during your life you will probably support people you love, you will choose your family and friends and maybe support a cause, or a charity or two as well. Don’t let all this good not happen, just in case you’re not here to do it. Life insurance can mean you can still do your part to keep love going.

Income Protection Insurance

Income Protection can help get you through a difficult period, without having to eat into your savings or rely on outside help – so a temporary setback doesn’t put you behind for years. If you become injured or too sick to work for an extended period of time, it could pay you up to 70% of your income (and 100% of your compulsory super contributions) until you recover or retire -whatever comes first. Use this money to cover your medical and rehabilitation costs, as well as any future expenses, which may also include paying for your children’s education or paying off your home loan.

Total & Permanent Disability Insurance (TPD)

A permanent injury or illness can make it difficult (or impossible) to return to work. TPD insurance can provide a long term financial safety net to help support you and your family, and pay for medical and rehabilitation costs. The reality is, most accidents are unavoidable and can occur anywhere: at work, on a trip, or in the comfort of your own home. And studies have shown that many disabilities are the result of a sickness—like cancer, a heart attack or diabetes—not injury.

Crisis & Trauma Recovery Insurance

The biggest financial risk to a individual or their family is a surprise arrival of a major medical bill, that might not be fully covered by the PBS or private health cover. Being diagnosed with a serious medical condition impacts both you and your family. Critical Illness insurance can help take away the worry of having to cover your day-to-day expenses and sudden medical costs while you undergo treatment or recover from surgery.

Severity Based Insurance

The new Severity Based assessment process aims to pay claims sooner and in proportion to the need, rather than the traditional one-claim-fits-all-approach. SBI covers more medical conditions, is designed to include partial claims and pays claims earlier, and repeatedly as more support is needed.

Children's Cover

A sick child is a whole family issue and can require a whole family response. Child Critical Illness insurance provides you with a one-off payment to help lighten the financial pressures of a sick child with a serious medical issue, allowing you to focus on your child and their recovery. Child Cover pays a lump sum if your child suffers from any of the medical conditions listed and defined in the policy.

Accident Only Cover

The Plan B for when you're not eligible for Plan A — becomes the next best thing to help reduce your risks. These types of specialist policies are designed to help people who, for a variety of reasons from complex medical history, recent medical procedures or family history of specific illness may not be eligible to qualify for comprehensive insurance cover, but who still have financial needs to protect and families to keep safe.

Speciality Cover

Business Owners and Employed Professionals realise the one-size-fits-all approach to life and business, never works for people living bigger lives. From difficult to manage pre-existing medical conditions, high risk occupations, or self employed occupations with very long hours who don't qualify for comprehensive insurance cover, a specialist risk advisor can create a hand-crafted strategy for your personal insurance cover needs, because one size never fits all.

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Drew Browne Senior Advisor Sapience Financial

Drew Browne - Senior Advisor @SapienceFinancial

 

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Drew Browne is an Authorised Representative and Sapience Corporation Pty Ltd. ABN 29 086 679 718 is a Corporate Authorised Representative of an Australian Financial Services Licensee AFSL Shartru Wealth Management Pty Ltd #422409 ABN 46 158 536 871. Any information provided is general advice only and we have not considered your personal circumstances. Before making any decision on the basis of this advice you should consider if the advice is appropriate for you based on your particular circumstance. Sapience Financial is a Trauma Informed Organisation (TIO) and affirms the Darlington Statement on Intersex Human Rights Australia.

Sapience Financial acknowledges the Traditional Custodians of Country throughout Australia and their continuing connection to land, waters and community. We pay our respect to them and their cultures, and Elders, past, present and future.

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