Total Care Plan (TCP) is our life insurance product which provides cover for death, terminal illness, 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 Cover, Trauma Cover, Child Cover and Accidental Death 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. 

 

 

 

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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. 

On death, we provide an advance payment benefit in some circumstances to help cover funeral expenses.

Accidental Death Cover option is also available which pays a lump sum if your client dies due to an accident.

You should consider Life Care if your client:

  • Has dependants
  • Has a mortgage or other debts.

 

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Total and Permanent Disability (TPD) Cover

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

You should consider TPD Cover if your client:

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

 

 

 

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Child Cover

Child Cover pays out a lump sum of up to $250,000 if your client's child were to suffer from a specified medical condition. 

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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