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Personal Risk Insurance

We go through life expecting to earn an income and grow our assets over time, enabling us to look after ourselves and loved ones now and into the future.

But what would happen if you lost the ability to earn an income or even faced the prospective of premature death? How can you protect yourself and those that depend on you?

This is where having risk insurance can help.

Depending on the type of cover, risk insurance can fill the gap in assets, fund the cost of ongoing medical care, or replace your lost income.

  • Life insurance

    a lump sum amount to help your family continue to pay for the necessities in life, from the basics of food and accommodation, to covering the cost of future education.

  • Total and permanent disablement insurance (also known as TPD)

    pays a lump sum amount in the unfortunate event of permanent disability due to illness or accident. TPD insurance covers: medical treatment, pharmaceutical items, specialised therapies and rehabilitation costs that may not be covered by your health fund. It can also contribute financial support to general ongoing living expenses for you and your family.

  • Income protection insurance

    this replaces your income if you are unable to work due to sickness or injury by providing a monthly payment of up to 75% of your pre-tax income.

  • Trauma insurance

    pays a lump sum on the diagnosis of a specified illness or injury such as a heart attack, stroke, cancer and paraplegia #.

Personal Risk Insurance Needs Calculator

Complete the handy calculator below to assess your current situation. NB: Irrespective of relationship status, please complete in terms of your proportion of any joint debt.

Please note: The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for approval on any insurance. It is advised that you consult your financial adviser before taking out any insurance and do not base those choices on this calculator. For additional information please call 1300 700 189.

# must not be pre-existing condition
Important Information

Australian Unity Personal Financial Services Ltd (‘AUPFS’) ABN 26 098 725 145, AFSL 234459. AUPFS is a wholly owned subsidiary of Australian Unity Limited. Any advice on this site is general only and does not take into account the objectives, financial situation or needs of any particular person. You should obtain financial advice relevant to your circumstances before making any decisions. Please refer to our Financial Services Guide.

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Call 1300 700 189