As we travel along life’s highway, it’s difficult to tell what’s around the next corner. That’s why it’s important to be ready for whatever crops up by taking some simple steps to cover you and your family. Heritage has a number of insurance options for you to choose from - ensuring that your journey will be in safe hands.
In the result of your death or the diagnosis of a terminal disease, a lump sum payment may be paid to ease the financial burden on your loved ones. It brings some certainty to difficult times and ensures they won't suffer financial hardship.
Permanently Unable to Work Cover
Permanently Unable to Work Cover provides a lump sum payment if you suffer a sickness or injury which means you are unlikely ever to be able to work again. This cover can help minimise the financial cost of disability and help fill the income gap.
Critical Illness Cover
This policy provides a lump sum payment if you are diagnosed with a serious medical condition. This means you can still pay the bills and medical expenses while you recuperate.
We hope you never need it but Child Cover provides a lump sum payment if your child is diagnosed with a specific critical condition. The payment would help cover medical expenses and let you take time off work to care for your child.
Illness or injury may keep you out of the workforce for a while but the bills won't stop coming in. Income Protection provides a monthly benefit of up to 80% of your gross income if you are unable to work.
Business Expense Cover
Business Expense Cover provides a monthly benefit if an injury or ill health prevents you from working. The policy provides funds to cover the ongoing fixed costs of your business while you get back on your feet.
5 Year Mortgage Repayment Insurance
For most of us our biggest financial commitment is our regular mortgage repayment. With a choice of disability, unemployment and/or death cover, 5 Year Mortgage Repayments Insurance can help you to repay your mortgage if you can't work.
Loan Cover Insurance
This policy can help you to repay your Personal Loan if you can't work due, unemployment or death. In the event of death the outstanding loan balance is repaid.
If you would like to find out more about any of these policies a Heritage Wealth Protection Advisor can help. Call 13 14 22 to make an appointment or visit your local branch.