Critical Illness Insurance

"Critical Illness Insurance gives you financial independence when you need it most"

WHAT IS CRITICAL ILLNESS INSURANCE?

Critical Illness Insurance, or Trauma Insurance, provides you and your family with a tax free lump sum if you’re diagnosed with one of many defined serious medical conditions, or undergo certain medical procedures.

WHY HAVE CRITICAL ILLNESS INSURANCE?

Today, for someone under the age of 65, the chances of suffering a condition keeping them off work for more than six months are 15 times higher than that of dying. With the increasing life expectancy, we have a greater chance of experiencing a serious illness and surviving longer.

“If you have a heart attack, stroke, or other life threatening disease, would you rather lose your home, or your mortgage?”

A serious illness like cancer or a stroke can unfortunately affect any of us. If it does happen, you want to be able to focus all of your energy on getting better again, not worrying about bills or loss of income.

HOW MUCH COVER IS ENOUGH?

Everyone’s needs are different, depending on your family circumstances. Your adviser can assist you in determining the amount of cover you need.

Patients “didn’t lose their life, they lost their life savings” after surviving once fatal illnesses such as cancer, stroke or heart disease. Dr Marius Barnard, (the brother of Christian Barnard, the doctor who performed the first successful open heart transplant surgery) and the inventor of Critical Illness Insurance.

As Dr. Barnard says, “Critical Illness Insurance gives you financial independence when you need it most. You need insurance not only because you are going to die but because you are going to live.” This is a product designed to give you CHOICES.

WHY QA INSURANCE?

Not all Trauma or Critical Illness poliies are the same. They are contracts of insurance, and depending on the insurer, they may have different definitions and workdings relating to different insured events. We are life insurance specialists and act on your behalf. We research the trauma insurance market for the most appropriate policy according to your requirements.

Contact us for an obligation free discussion about Trauma Insurance, and your family's insurance needs.

General Advice Warning

QA Insurance Pty Ltd as trustee for the QA Insurance Trust (ABN: 59 644 299 394; Corporate Authorised Representative Number:1293763) is an Authorised Representative of QA Insurance Pty Ltd (AFSL 542245). This document has been prepared by QA Insurance Pty Ltd.

QA Insurance advisers are Authorised Representatives of Core Financial Services. Information in this document is based on regulatory requirements and laws, which may be subject to change. While care has been taken in the preparation of this document, no liability is accepted by Core Financial Services, its related entities, agents and employees for any loss arising from reliance on this document. This document contains general advice. It does not take account of your individual objectives, financial situation or needs. You should consider talking to a financial adviser before making a financial decision. Taxation considerations are general and based on present taxation laws, rulings and their interpretation and may be subject to change. You should seek independent, professional tax advice before making any decision based on this information. Should you wish to ‘opt out’ of receiving direct marketing material from your adviser, please notify your adviser by email, phone or by writing to us.

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