Personal Insurance

Arranging Personal Insurance in Kingscliff 

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Plan for The Unexpected

No one likes to think about the possibility of becoming seriously ill or disabled, but it's important to plan for the unexpected. That's where we can help. At MoneySmith Group, we can assist you with finding the right personal insurance policy that will provide you and your family with financial support in the event of illness, disability or loss of income. 

 

We can help you with and search for total and permanent disability (TPD), critical illness, income protection and life cover insurance policies. No matter what life throws at you, we can help you protect your finances and give you peace of mind knowing your loved ones are covered should the unexpected occur. 

 

Get in touch with our friendly team today on 0433 149 788 for enquiries. Based in Kingscliff, we are here to help residents throughout the Northern Rivers and surrounds, including Tweed Heads, Banora Point, Pottsville, Murwillumbah, Ballina, Gold Coast and Robina .

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Insurance Policies Explained

  • Life insurance: Life insurance is a one-off payment that your family can use to pay off debts and expenses should the worst happen. It also provides financial security in the event of being diagnosed with a terminal illness. 
  • Total & permanent disability insurance: This type of insurance is a lump-sum payment and aims to protect you and your family if you can no longer work due to a permanent disability.   
  • Critical illness insurance: This is suitable for those who would like financial support (a one-off payment) in the event of losing income due to being diagnosed with a critical illness and needing time to recover or receive treatment. 
  • Income protection insurance: Income protection insurance is a monthly benefit you and your family will receive if you cannot work after being injured or being diagnosed with an illness. It can help to cover living expenses, mortgages and loan repayments. 
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Frequently Asked Questions

  • Can life insurance be used to pay for funeral costs?

    Yes, life insurance can be used to pay for funeral costs. If you have a life insurance policy, you can designate the policy as part of your funeral expenses. Your beneficiaries will then receive the death benefit from the policy, which can be used to cover the costs of your funeral. You can also use life insurance to set up a trust that will pay for your funeral costs when you die.

  • What is a good life insurance amount?

    This is a difficult question to answer since it depends on many factors, including your age, health, and financial situation. A good rule of thumb is to purchase a life insurance policy worth at least 10 times your annual income. However, if you have significant debt or other financial obligations, you may need a larger policy.

  • What are the differences between TPD and income protection insurance?

    TPD insurance is designed to provide you with a lump sum payment if you become permanently disabled and are unable to return to work. This type of coverage can be used to cover expenses such as medical bills, rehabilitation costs and living expenses. 


    Income protection insurance, on the other hand, is designed to provide you with a regular income stream if you are unable to work due to an injury or illness. This type of coverage can help you maintain your standard of living and cover your regular expenses. 

  • What doesn’t income protection insurance cover?

    Income protection insurance does not typically cover the following: 


    • Job loss due to voluntary termination or dismissal for cause 
    • Sickness or injury that occurs while you are unemployed 
    • Pregnancy or childbirth-related complications 
    • Pre-existing medical conditions 
    • Mental health issues 
    • Substance abuse problems 
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