Total Care Plan (TCP) is our life insurance product which provides cover for death, terminal illness and total and permanent disability and trauma (critical illness). 

Our TCP product is structured to allow you to package covers to suit your clients needs; Life Care, TPD and Trauma Cover all under the umbrella of one Total Care Plan policy or they can package two or more of the them on a stand-alone basis under separate Total Care Plan policies. 

If two or more policies are taken we'll provide a policy schedule for each as they will have their own separate policy terms. 

Claims testimonial: Trevor & Annette's story

Life Care

Life Care

Life Care provides a lump sum payment in the event of terminal illness or death. The lump sum paid is the amount for which your client is insured. 

You should consider Life Care if your client:

  • Has dependants
  • Has a mortgage or other debts.

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TPD

Total and Permanent Disability

Total and Permanent Disability (TPD) Cover pays a lump sum of up to $5 million if your client is totally and permanently disabled due to illness or injury. 

You should consider TPD cover if your client:

  • Has dependants
  • Has a mortgage or other debts
  • Has no savings to cover unexpected expenses
  • Has a business, is self-employed or is a company director/key person.

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Trauma Cover

Trauma Cover provides a lump sum of up to $2 million if your client suffers from a specified medical condition, regardless of whether or not they are prevented from working or not. 

You should consider Trauma Cover if your client:

  • Has dependants
  • Has a mortgage or other debts
  • Would need money to live if they couldn't work again
  • Has a business, is self employed or is a company director/key person.

 

 

 

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Child Cover

Child Cover

Child Cover pays out a lump sum of up to $250,000 if your client's child were to suffer a serious illness or injury. 

You should consider Child Cover if your client:

  • Has dependants
  • Would need the money to live if they had to take time off work.

 

 

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