Personal insurance products are perceived as complicated and expensive. At On Par Financial Planning we don’t like our clients to pay for things they won’t need.

Selecting the right insurance to suit your situation, budget and risk level is our priority.

Any type of insurance should be reviewed regularly however when it comes to personal insurance not many take the opportunity to review their insurance as their needs change, which can cost money.

Having adequate cover when life takes an unexpected turn is when you will appreciate it most. We can’t prevent illness or injury from happening; however, we can assist with ensuring you will not face a financial burden should a tragic life event occur.

We utilise a wide range of insurance partners to implement our personal protection strategies which covers a number of products, including:

Life Insurance
Pays a lump sum upon death or terminal illness – it could pay off the mortgage, help with your kids’ education, provide for the family or pretty much anything else that needs attention at this difficult time.

Total & Permanent Disablement Insurance
If you can no longer work due to illness or injury, this cover provides you with a lump sum which you can use to generate an income or pay for modifications to your home to suit your new needs.

Trauma Insurance
At a time when you are facing a major medical condition such as a heart attack or cancer, this cover pays a lump sum benefit. You can choose what you do with these funds – for example you may need further treatment, reduce your mortgage, or some much needed time away with the family– it is up to you.

Income Protection
Your ability to earn an income is your greatest asset and if you exhaust your paid sick leave, you may be faced with no cashflow or having to rely on savings or borrowings. This insurance covers up to 75% of your income so that you can focus on recovering from your illness or injury without having the added financial stress.