Life Insurance
Life Insurance, also known as Life Cover, provides a lump sum payment to the beneficiaries upon the death of the policyholder. It aims to provide financial security to dependents, helping them manage expenses such as mortgage payments, debts, and funeral costs in the absence of the primary earner.

Income Protection
Income Protection Insurance is designed to provide a regular income, usually a percentage of your usual salary, if you are unable to work due to illness or injury. It helps maintain your standard of living, covering daily living expenses, mortgage repayments, and other financial obligations during the period of incapacity.

Total and Permanent Disability Cover
Total and Permanent Disability Cover provides a lump sum payment if the policyholder becomes totally and permanently disabled, meaning they are unable to work again, either in their usual occupation (depending on the policy features) or any other occupation for which they are suited by education, training, or experience. The funds can be used for medical expenses, lifestyle adjustments, and ongoing living costs.

Trauma Insurance
Trauma Insurance, also known as Critical Illness Insurance, provides a lump sum payment upon diagnosis of a specified illness or injury, such as cancer, stroke, or a heart attack. The payout is designed to alleviate financial stress during a challenging time, allowing the policyholder to focus on recovery and potentially access the best available medical treatments.

Needlestick Cover
Needlestick Cover is a specialized form of insurance primarily designed for healthcare professionals. It provides a lump sum payment if the insured individual is accidentally pricked or scratched by a needle or sharp instrument, which results in a blood-borne disease (such as HIV or Hepatitis B/C). The cover helps manage medical costs, ongoing care, and potential loss of income.