Posts Tagged ‘income protection insurance’

Your Car And House Is Insured, How About Your Life?

Monday, August 9th, 2010

Amazing how 71% of people have insured their car yet only a small percentage have safeguarded themselves or their families with life insurance. Maybe people think life insurance is only about covering yourself against death. In fact, there’s more to it than that, and it’s cheaper than you think. Life insurance is about helping to protect your family against financial hardship should the worst happen to you, the major breadwinner. And, the worst could be the result of a serious illness or accident, not just death. With this in mind, can you afford not to have some sort of protection? Fortunately, one Australian based company Insurance Kings, has a range of award-winning life insurance solutions to suit your needs, your lifestyle and your budget.

Income Protection
Helps you meet your financial commitments by providing you with a monthly income payment if you are sick or injured and can’t work. You can insure up to 75% of your regular income and super contributions of up to 15%. Plus, Income Protection premiums are generally tax deductible.

Life Cover
A cost-effective way to protect your family and assets in the event of your death or terminal illness. This cover also offers a range of benefits and a cash lump sum to help your loved ones through their difficult time, and will help provide them with financial independence.

Total and Permanent Disability (TPD) Cover
Pays you a lump sum if you suffer from total and permanent disability, such as multiple sclerosis or loss of a limb. Because TPD Cover provided under superannuation plans is often not enough, our TPD Cover provides you with a lump sum that you can use in any way you choose. Plus, if you suffer loss of limbs or sight, the compensation you receive may be doubled (up to a maximum of $250,000).

Trauma Cover
Provides you with a lump sum if you are diagnosed with certain medical conditions, regardless of whether you are able to work or not (over 50 specified conditions are covered, such as heart attacks and cancer). Trauma Cover not only helps take care of your medical and rehabilitation costs but it can also help you fund lifestyle changes.

More affordable than you think
If you thought life insurance was expensive, think again. Families can enjoy peace of mind for less than the price of a cup of coffee a day.
For insurance that protects your family, apply online today via the Insurance Kings website at www.insurancekings.com.au.

Want to find out more about Income Protection Insurance, then visit David Morgan’s site on how to choose the best TPD Insurance for your needs.

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Insurance Cover For Women

Sunday, August 8th, 2010

The lyrics of Helen Reddy’s song resonate strongly with most women. But while we’d all like to think we are invincible, the fact is that some of us aren’t.

Did you know?

Women have a one in four chance of suffering a critical illness between the ages of 30 and 64, as well as a one in four chance of developing cancer before age 75. And every woman is at risk: 1 in 9 women will develop breast cancer and 1 in 38 women will die from the disease before the age of 85.

Have you ever thought about how financially prepared you’d be if this happened to you? How would you fund the extra expenses that a serious illness or injury can create?

In an era when women are increasingly taking on more financial responsibility for themselves and families, lifestyles can be dramatically impacted by illness or injury.

Insurance Cover for women

Insurance Kings recognises that women have unique needs. As a result, we include features to provide financial protection for health conditions of particular concern to men & women.

Brisbane based company Insurance Kings provide Trauma Cover which will pay a lump sum if you suffer one of up to 4 specified medical conditions, whether you are prevented from working or not. This means you can have time off work, access the best medical treatment, and refocus your energy on the more important things – you and your family.

Why Insurance Kings?

Insurance Kings is a leader in the Australian online Insurance industry. They offer a fresh approach to personal risk insurance, backed by one of Australia’s largest life risk insurers, providing services to Australians for more than 80 years and today employs around 1,00 employees. Zurich holds a Standard & Poors A+ rating for insurance claims paying ability. This helps provide you with security of your benefits.

Looking to find the best deal on Life Insurance, then visit www.insurancekings.com.au to find the best advice on Term Life Insurance for you.

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Why Income Protection Is Beneficial In Todays Society

Tuesday, August 3rd, 2010

Income Protection is a monthly benefit that pays you up to 75% of your income and covers you for accidents, illnesses or major traumas.

It pays you for a selected period of time after your waiting period which can be altered according to your needs. i.e: If you need your money sooner rather than later then maybe you would choose a 30 day waiting period or if you have a few months worth of sick leave entitlements then you can choose a 90 days waiting period.

Income protection is tax deductible and is designed to ensure that you can continue to pay the mortgage, put food on the table and carry on financially until you return to work.

Income protection also has what is called a benefit period and this is the period of time that the policy will generally pay for. This can range from 1 year all the way up to age 65 depending on your occupation. Income protection insurance is a necessity for every household especially the self employed. Most people believe that there home and other properties are their biggest asset when in fact their biggest asset is generally their ability to produce an income. You insure your house and car don’t you? So why not insure your income?

One company, Insurance Kings, provide a simple application process that should take around 5 minutes online or over the phone, there are normally no medicals required and if you ever need to claim on your income protection the premiums will be fully waived or refunded. Another benefit is if you apply for Income Protection through Insurance Kings you get the first month’s premium free plus a $50 Coles voucher.

The other great things about the Income Protection cover through Insurance Kings is regardless of whether you are claiming an income protection benefit, your beneficiaries will receive a lump sum if you die AND they have a 21 day cooling off period so if you are not satisfied you can return your policy and your Coles voucher and they will refund any premiums you have paid (unless you have made a claim), no questions asked! To find out more visit www.insurancekings.com.au

Learn more about Life Insurance. Stop by David Morgan’s site where you can find out all about Income Protection Insurance and what it can do for you.

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Receive A Lump Sum From $50,000 To $750,000 From Life Insurance

Friday, July 30th, 2010

Life insurance is designed to provide a substantial lump sum benefit that is paid in the event of your death or diagnosis of terminal illness where life expectancy is less than 12 months.

Depending on the level of cover selected, the cash can help meet many important financial needs for your family and loved ones, from daily living expenses to mortgage payments or outstanding debts.

Australian owned company Insurance Kings have two Life Insurance options; Insurance Kings Ezicover Term, which you can maintain for life or Insurance Kings Ezicover Select Term, where you fix the term of the policy i.e: (5, 10 or 15 years). Insurance Kings Ezicover Select Term premiums remain level and do not increase on your age as you get older.

Life insurance through Insurance Kings is surprisingly affordable and even more affordable if you cover your partner too as joint cover discounts apply. Life Insurance through Insurance Kings does not normally require an interview or medical and on acceptance will cover you worldwide 24/7 and like all of the Insurance Kings products the life insurance is issued and underwritten by Zurich Australia Limited.

Life insurance is not merely the sole province of the ‘breadwinner’, or the person who earns the largest salary. For a family with young children, the spouse providing the bulk of the childcare – often but not always the woman – performs a function that, in the event of their death, costs the family a great deal to replace with outside help.

A family that loses its stay-at-home mother may, for example, have to hire a full-time live-in nanny to provide the same sort of care, and will have to provide relief cover as well for evenings, weekends and holidays.

The Insurance Kings Life insurance policy pays a guaranteed lump sum from $50,000 – $750,000 generally in a matter of minutes and all policies including Income Protection, Trauma Insurance, Funeral Plans and Needlestick Insurance cover through Insurance Kings have a 21 day cooling off period.

So what are you waiting for? Give your family the peace of mind it deserves and apply online or over the phone today. To find out more visit www.insurancekings.com.au.

Want to find out more about Life Insurance, then visit David Morgan’s site on how to choose the best Income Protection Insurance for your needs.

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