his explanation Protecting Your Lifetyles – Total & Permanent Disability (TPD)
cherche homme el hamma If you suffer a sickness or injury that leaves you totally and permanently disabled and unable to work for the rest of your life, Total & Permanent Disability (TPD) protection provides you with a lump sum payment.
TPD is often attached to a Life Policy and can be used to top up Income Protection. It can help supplement your family’s income and pay off your debts. It can also help pay for necessary home modifications, immediate medical expenses that go beyond your health insurance cover and ongoing recovery costs, such as nursing care or home help.
The level of cover you require is worked out by assessing your financial dependents, your debts and your current living expenses. Your expert MBS adviser will be happy to help you determine how much cover is enough.
art de seduire site de rencontre Protecting Your Lifetyles – Trauma/Critical Illness insurance
kennenlernen dУЄnisch On the diagnosis of specific serious medical conditions and procedures, such as a heart attack, cancer or a stroke, Trauma/Critical Illness Insurance can provide you with a tax-free lump sum payment.
Trauma/Critical Illness cover includes:
• Heart attack
• Malignant cancer
• Loss of hearing
• Major blood disorders
• Major head trauma
• Multiple Sclerosis
• Paralysis (paraplegia & quadriplegia)
• Motor Neurone disease
• Loss of limbs
• Loss of speech
• Organ transplant
• Severe burns
And much more…
Statistically a large portion of the population will suffer a critical illness during their work life. A lump sum payment on diagnosis can be critical to cover your immediate medical expenses and pressing financial commitments. It can also allow your spouse to take time off work to care for you and the family as you recover.
Based on these statistics and our experience in the industry, we believe Trauma/Critical Illness Cover is a must in every insurance portfolio.
Your MBS adviser can help you work out how much Trauma/Critical Illness cover you need, based on your current lifestyle and the degree to which a trauma or illness would affect your income. It is often taken out alongside como conocer mГЎs a una mujer Income Protection Insurance, which makes regular payments whilst you’re unable to work.