Personal Insurance & Income Protection Perth

Protect yourself and your family

Safeguard your income so you and your loved ones can enjoy financial security. Get an obligation-free consultation from Absolute Insurance by completing the form below.

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Reduce Your Financial Risk

We all insure our cars and houses… But if you don’t protect your livelihood, that’s all for nothing. Why would you risk it?

Insurance is about creating a safety net in case the worst should happen. You’re not jinxing yourself or tempting fate to think about the ‘what ifs’ of premature death, illness or injury – just reducing your and your family’s risk of financial hardship by getting the right insurance for you. Plus, if the unthinkable does happen, who wants to even be thinking about money?

No-one who’s needed personal insurance has ever complained about having it either! One client died aged 56, leaving behind his wife and a son with Autism. Thanks to having Life Insurance, their whole mortgage was paid off and the Income Protection Insurance payments continued for another 6 weeks… His wife then had $250,000 left over that she could invest towards her and her son’s futures.

If our client had died without these invaluable insurances, his family would still really be struggling.

Who needs personal insurance?

Anyone who:

  • Earns an income
  • Has significant assets
  • Is in debt (e.g. mortgage)
  • Has children and other dependents
  • Has a spouse or long-term partner
  • Runs a business
  • Is in a business partnership arrangement

Protect your loved ones and the life you’ve created for yourself!

Our free claims process

Absolute Insurance doesn’t charge you for helping with any claims – it’s just part of our service.

Types of Insurance We Can Help You With

Life Insurance

Think of how much you earn and how many years you’ll be working… Could your family cope without that income?

Life Insurance:

  • Covers you if you die prematurely or become terminally ill
  • Pays a cash lump sum that your family can use for debts, education fees and living expenses
  • Enables your family to invest and create ongoing income

This is the easiest of the insurances to get.

Trauma Insurance

Not all serious medical conditions mean permanent disability, but they can still have serious financial impacts.

Trauma Insurance:

  • Gives you specific coverage for a wide range of medical events (e.g. heart attack, cancer, stroke, amputation, Alzheimer’s)
  • Pays a cash lump sum
  • Enables you to de-stress your life and ensure a strong recovery (e.g. fund living expenses and medical treatments, pay off debts or even reduce your work hours)

People usually opt for this insurance to cover conditions they know they have a family history of (though these may also be covered by Life Insurance).

Key Person Business Insurance

Do you rely on the expertise of a business partner or key employee? What would happen if they pass away or become disabled? 

Business Insurance:

  • Covers the death or disability of your business partner or a specific employee
  • Pays a cash lump sum to your business to cover any associated financial costs (e.g. loss of knowledge, debts, training a replacement, rebuilding your clientele)
  • Ensures business continuity and minimises the impact on everyday operations

This insurance enables business partners to insure each other and allow a smooth transfer of ownership to the surviving partner.

Business Expense Insurance

If you’re self-employed and become ill or injured, how will you pay your business running costs while you’re not earning an income?

Business Expenses Insurance:

  • Covers you if you become disabled and can’t work
  • Pays you a monthly amount for fixed business expenses, such as:
    • Rent
    • Loan repayments
    • Equipment leasing costs
    • Utility expenses
  • Enables you to keep your business active while you recover

The premiums for this insurance are automatically waived while you’re receiving benefits.

Income Protection Insurance

What would happen if you’re incapacitated and need longer to recover than your paid sick leave will allow for?

Income Protection Insurance:

  • Gives you broad-based illness and accident coverage
  • Pays up to 75% of your gross annual income monthly, to spend for a period you nominate (usually up to age 65)
  • Generally has tax-deductible premiums

You can choose your waiting period, with options from 14 days up to 2 years.

Total and Permanent Disability (TPD) Insurance

Becoming disabled could be devastating, both personally and financially. How would you manage without an income long-term?

Total & Permanent Disability (TPD) Insurance:

  • Pays a cash lump sum if you become permanently disabled (as defined in the policy and verified by doctors)
  • Enables you to focus on your rehabilitation and wellbeing, knowing your expenses and debts are taken care of
  • Is typically added to your Life Insurance as an additional benefit

You can decide whether to cover ‘any occupation’ (i.e. not being able to work at all) or ‘your occupation’ (i.e. not being able to work in the job you’re qualified for).

Child Trauma Insurance

What would you do if your child became seriously ill? Could you afford to take time off work while still paying for their medical treatments?

Child Trauma Insurance:

  • Gives you specific coverage for a range of child-related medical conditions
  • Pays a cash lump sum
  • Enables you to devote your focus to your child’s recovery, by paying for their medical treatments and rehabilitation or serving as replacement income if you need to take time off work

Every $10,000 of Child Trauma Insurance coverage will only cost you about $1 per month.

CLAIM YOUR OBLIGATION FREE CONSULTATION

If you want to find out more, but not sure where to start, contact us today. We are happy to meet at a Perth location convenient to you to discuss how our insurance solutions can help you.