Life Insurance

Insurance for your lifestyle

Let's face it - sorting out life insurance is often the last thing on your mind when you are fit and healthy. After all, there are so many more exciting things to do - like being with your family and friends, working and travelling. At Genesis we offer a variety of products that can be tailored to suit wherever you are in life. It will allow you to focus on what's important to you, secure in the knowledge that whatever happens, you and your family's financial future is protected 7 days a week, 24 hours a day, anywhere in the world.

The types of Insurance available are:

Life Cover
When you think about it, your life is a valuable asset. And like other valuable assets (such as your home, car or boat), you should protect it so if something happens your family is looked after. Life Cover can do this by paying a lump sum in the event of your death or diagnosis of a terminal illness. This money may help with your mortgage payments, your children's education expenses, or go towards creating an income for your family's future.

Total and Permanent Disablement (TPD) Cover
If you are totally and permanently disabled, TPD Cover can help ease the financial pressure on you and your family by providing a lump sum payment which can be used to pay medical bills, make home modifications, generate an income if you can't work again, or even assist with ongoing expenses like paying off the mortgage.

Trauma Cover
Trauma Cover pays you a lump sum payment if you are diagnosed with a serious medical condition (as defined within the wording). You can use the payment to help with the cost of your medical treatments, and for everyday expenses like your mortgage or rent so you can concentrate on getting better,

Income Protection Cover
Income Protection Cover is designed to replace up to 75% of your monthly income if you are unable to work due to injury or illness - making sure bills and expenses can still be paid whilst you are recuperating.

Business Expenses Cover
Running your own business can be stressful, especially if you have to take time off work if you're sick. That's why Business Expenses Cover was developed. It's there to help you pay for fixed business expenses like utility bills or rent by providing a monthly benefit if you are unable to work due to injury or illness.

Child Cover
Like Trauma cover for adults, Child Cover can help alleviate the financial pressure on families if a child becomes seriously ill. Child Cover is available for a list of defined events including serious medical conditions, and can be used to pay for medical treatments, or give you the financial means to take time off work to be by your child's side.

If you would like to know more about these products and how they can protect you, please contact Genesis on 07 5593 7473.

*** Genesis Financial Services Australia Pty Ltd is appointed to act as Corporate Authorised Representative of Millennium 3 Financial Services Pty Ltd ABN 61 094 529 987, Australian Financial Services Licensee  no.244252 and your Adviser is authorised to offer financial services in relation to Life, Risk and Financial Planning matters.