Thinking insurance? Let us help you protect what matters most.

Income protection kicks in to replace your income (such as wages or salary) if you're unable to work due to illness or injury. Generally, it'll pay 70% of your usual income, and it can be especially handy for those who are self-employed. Considering most Australian companies only offer 10 days of sick leave a year, it can be life-changing – and it’s the insurance Australians are most likely to claim on.

Sometimes called Life Assurance, this kind of insurance pays out a lump sum if you die, or are diagnosed with a terminal illness. Not exactly a cheerful thing to contemplate, but it can be incredibly important – especially if you have a family, or people who are depending on you.

As the name suggests, TPD pays you a lump sum if you suffer an illness or injury that leaves you unable to work and unlikely to work again. This payout is designed to take the pressure off you financially, and it's often used to eliminate debts, pay for medical expenses or fund permanent lifestyle changes.

Trauma insurance (also called Critical Illness Cover), provides a lump sum payment when you are diagnosed with a serious illness (such as cancer, Hepatitis C or HIV), or have an incident or injury (such as heart attack, stroke, or accident). The idea is that the insurance helps you and your loved ones get by while you take time out to recover or your partner takes time out to care for you.