Life Insurance

So you know you’re covered whenever life gets in the way.

Personal Insurance

Protecting your lifestyle from the unexpected.

Most people have insurance for their home and contents but fail to cover their most valuable asset-their life and their ability to earn income over the long term. Our experience enables us to provide you with fully informed advice and education on the different types of insurance and product features available in the marketplace. We tailor the level of cover you require to meet your individual circumstances to ensure it is suited to your financial needs.

Personal insurance strategies protect you and your loved ones for a variety of reasons including loss of income, covering mortgage repayments, repayment of debts, medical bills and rehabilitation costs, helping you get back on your feet faster.

Few individuals have the same requirements as the level of cover you require is dependent on a number of factors, such as whether you:

  • are you single, married or de facto
  • have a mortgage
  • have a family
  • have received an inheritance
  • have sold a property or business
  • are self-employed

An Astute associated Financial Adviser can work with you to evaluate the options available and find a solution that is suited to your personal circumstances.

Ensure you and your loved ones are protected with help from a Financial Adviser from the Astute network today.

Life Insurance

Protecting your family and lifestyle following the loss of your primary income.

Life insurance pays a lump sum in the event of your death, protecting loved ones from the often-overlooked effects of passing away. This cover can be used to cover mortgage repayments, outstanding debts and other costs / commitments incurred prior to the loss of a primary income. Most policies have a terminal illness benefit that offers advance payment of the primary death benefits following the diagnosis of a terminal illness, where death is likely to occur within twelve months.

The level of cover required is influenced by a number of factors including savings, debts and lifestyle. An Astute associated Financial Adviser will work with you to evaluate the amount you would need to pay out based on your liabilities while providing for the future expenses of loved ones.

Protect your family’s future with the help of a Financial Adviser from our extensive network today.

Total & Permanent Disability

Protect your loved ones if you’re no longer able to work.

Total and Permanent Disability Cover (TPD) pays a lump sum in the event of an accident resulting in total and permanent disability. The costs associated with such disability often include medical bills, rehabilitation and specialised lifestyle support. This cover provides protection against the effects of disability, helping you to get your life back on track following an accident.

This form of protection can help to alleviate the strain often associated with serious disability.

Protect your future with the help of a Financial Adviser from the Astute network today.

Trauma Protection

Protecting you and your loved ones in the case of major illness.

Trauma cover pays a lump sum in the event, or diagnosis, of an illness specified in the policy, e.g. heart attack, stroke, multiple sclerosis, loss of sight/speech/hearing, cancer, major head trauma, severe diabetes, paraplegia etc. This cover provides for you when you need it most, easing the financial burden of being unable work for a period of time.

Protect your family’s future with the help of a Financial Adviser from our extensive network today.

Income Protection

How long would you be able to maintain your lifestyle and repayments if you were prevented from earning an income?

Income protection provides regular payments of up to 75% of your gross salary until you are able to work again, or if you are unable to return, up to the age of 65. This insurance is generally tax deductible and provides financial security in the event of an accident, illness or trauma. Income / Personal Protection is designed to help cover bills, mortgage repayments, school fees and day-to-day living expenses up to the age of 65.

Our aim is to help protect you and the things you value from the financial impact of risks, big and small.