Any well balanced financial plan must include provision for the unexpected, to protect assets and guarantee an income stream. We believe that helping you ensure that you and your family are as well covered as absolutely possible is an important aspect of our service to you.

Capital Creation offers advice and commentary on products and services available from life insurance companies. We will analyse your current and anticipated positions with you and advise on the most appropriate solutions to meet your insurance requirements.

Insurance options available to you include:

Income Protection

Income protection provides replacement income of up to 75% of annual income should you be unable to attend work due to sickness or injury.

Life Insurance

Life Insurance provides a lump-sum benefit in the event of death or terminal illness. It is most commonly used to provide extra capital to beneficiaries over and above liabilities. For a business, key person insurance can provide the capital necessary to fulfil share purchase arrangements.

Total and Permanent Disablement Insurance

Total and Permanent Disablement Insurance is paid as a lump sum in the event of inability to ever perform occupational duties. Election of "own" or "any" occupation can be made. This insurance is taken as an adjunct to life insurance.

Trauma Insurance

Trauma Insurance provides a lump-sum benefit in the event of a "specified" trauma condition. These conditions vary between contracts; typically the insurance covers such contingencies as cancer, heart attack, stroke, paraplegia and quadriplegia.