Powerful Family & Business Protection

Total Care Insurance is a powerful tool to help you reduce your risks. With just one policy, you can cover so much. We will help you decide which of the following benefits you need.

Totalcare Family & Business Assets House, Contents, Car Boat & Travel Insurance These insurances can be all paid under one package which enables clients to save money on premiums. 

Life Cover
This benefit pays out a lump sum to your spouse, family or business if you die.

Bereavement Support
This extra feature of Life Cover gives your family an emergency advance of $5,000 when you die.

Family Protection
Many people prefer a monthly income rather than a lump sum on the death of a loved one.

Living Assurance
We'll pay you a lump sum if you're diagnosed with a critical illness, so you don't need to worry about those up-front expenses.

Disability Income Insurance
If you can't work because of sickness or accident, we'll pay you a monthly benefit. This is essential if your spouse or family depend on your income.

Essential Disability Income Insurance
Maybe you can't work as a direct result of a critical illness - we'll pay you a monthly benefit.

Business Overheads
As a small business owner or partner, you'll receive a monthly benefit to cover business expenses for up to a year if disability leaves you unable to work.

Locum Cover
If you're totally disabled, we'll pay a monthly benefit for up to one year so you can hire a replacement.

Hospital & Specialists Insurance
Your first financial risk is finding the money if you or a member of your family needs surgery or hospital care. We'll pay up to 100% of your costs if you need serious medical care.
Total Permanent

Disablement
Should you be totally and permanently disabled by injury or illness, we'll pay a lump sum.
Accidental

Death
Your beneficiaries will receive a lump sum if you die in an accident.

Waiver of Premium
This takes away the burden of paying for your insurance when disability leaves you unable to work.

Lifestyle Blocks & Farm Insurance Policies
All assets can be insured under one policy which can include liability cover under Rural Fires Act

Business Insurance
These policies can include all business assets ie, building, stock, plant, as well as business interruption, portable equipment, income protection , Public Liability, Employers and Statutory Liability and business vehicles.