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Most Australians will not hesitate to insure their cars and homes, but what about their most valuable asset – protecting their lifestyle, protecting your income is more valuable, some may consider it to be completely unnecessary.
However, have you ever thought of what would happen if you got seriously ill or injured?, unable to work for extend period of time. Most Australian don’t have enough financial resources to cover more than a month of regular cost of living expenses. Income Protection Cover can provide a regular income replacement up to retirement.
While many of us hope that nothing would ever happen to us, it is important to consider having a
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cover in place to protect your ability to earn an income, should anything happen to you.
If you are the main income earner for your family, not having a steady flow of income every month can be devastating for your family.
Think about all the bills, mortgage repayments and your children’s education expenses that you still have to keep on top of.
This is when ClearView Income Protection Cover can provide you with the valuable financial assistance that you and your family need.
Finding the right financial protection for you and your family can be mind-boggling. A simple misunderstanding could be costly. Getting your life insurance through an adviser can take the headache out of trying to make sense of the different types of cover out there. Your adviser can help make sure that you’re covered for the things that matter to you.
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We designed LifeSolutions to be provided with the assistance of an adviser. This comprehensive suite of cover can be tailored to suit your personal financial situation.
You can:
Your adviser can help you navigate through your options so you know exactly what you’re getting.
Clearview Life Insurance Advisor
Life Cover
Life Cover can help ease the financial burden for your family if you’re terminally ill or die. With a lump sum benefit, your family can use the money to pay off the mortgage or other debts and maintain their current standard of living. You choose an amount of cover that’s right for you.
Choose accident only cover, or full cover for accident and sickness.
Total and Permanent Disability (TPD) Cover
Some sickness and injuries may end up leaving you totally and permanently disabled and unlikely to ever work again. TPD Cover pays a lump sum benefit that can be used to make modifications to the family home, access the best rehabilitation or simply provide money to live on. Income Protection Cover only covers up to 75% of your income, so TPD Cover can be used to top up the shortfall.
Choose accident only cover, or full cover for accident and sickness.
Trauma Cover
If you suffer from a specified serious illness such as cancer, heart attack or stroke, a lump sum benefit paid upon diagnosis may help you access the best medical treatment, or pay down some of your debt. You can choose a benefit amount of up to $2 million, and you are covered for more than 40 specified conditions.
Income Protection Cover
Income Protection Cover pays an ongoing monthly income for as long as you’re unable to work or until the end of the benefit period, whichever happens first. You can cover up to 75% of your income. Select from a range of benefit periods, from 2 or 5 years, to age 60, 65 or 70.
Choose accident only cover, or full cover for accidents and sickness.
Business Expense Cover
You can’t afford to be sick if you’re self-employed or running a small business. Business Expense Cover helps cover the fixed operating expenses of your business if you are unable to work due to sickness or injury. Similar to Income Protection Cover, you receive an ongoing monthly income (for a maximum of 1 year), but instead of replacing your salary, it covers your business expenses. This can help keep your business afloat while you’re on the road to recovery.
Child Cover
No one wants to see their child sick. But if it happened to your child, you’d want the best medical treatment available, and that can be expensive. Child Cover allows you to take up to $200,000 cover for kids aged between 2 and 18 and will pay a lump sum benefit if they suffer from a specified serious illness or in the event of their death.
Parent Cover
If one of your parents died, you could be left carrying the financial burden of their funeral. Parent Cover provides a lump sum benefit of up to $15,000 to help. You can add one or both parents to your policy who are up to 85 years of age.
We’re experts in insuring people, which is why we’ve made sure that all types of cover have the following quality features:
Each cover type has its own range of unique built-in benefits to give you extra cover at no extra cost. Read the ClearView LifeSolutions Combined Product Disclosure Statement and Policy Document to find out more.
There are some situations where you’re not covered and when we won’t pay a claim. This includes not telling us the truth about your health or financial situation when applying for cover.
Each cover type has its own set of exclusions. Talk to your adviser for more details and read the Combined Product Disclosure Statement and Policy Document.