Life Insurance:

Life Insurance is designed to pay out a lump sum if you die. Whilst we all hope that you never have to call upon this type of insurance it’s also very important that you receive advice regarding the level and type of cover that you may require from someone qualified to do so.

In the event you need to claim life insurance, you can nominate whether you would like the insurer to pay an ongoing annual payment to make sure you live in the way that you’re accustomed. The alternative is simply making sure all the debts of the deceased are paid off.

This can influence your monthly premium.

Temporary/Permanent Disability Insurance

Total and permanent disability (TPD) insurance by Kings Road provides cover if you are totally and permanently disabled. A serious injury  can make it difficult for you to continue to work and you will need to find a way to support yourself and your family. This is usually defined as:

• You can’t work again in any occupation, or
• You can’t work in your usual occupation

Our consultants will work with you to advise a suitable Total and permanent disability (TPD) insurance cover if you are totally and permanently disabled.

Income Protection:

Income Protection is designed to cover you temporarily if you are unable to work due to injury or illness, so that you’re able to maintain your day-to-day living expenses during your recovery period.

Generally speaking, Income protection will cover you for up to 75 percent of your normal income, until such time as you’re able to return to work – or at the end of the prescribed benefit period as noted on your policy.

Gadget Insurance:

Due to the increasing popularity of smartphone, tablet and other electronic devices, Gadget insurance is fast becoming a necessary option to ensure your gadgets are covered. To ensure that your cover is tailored to your unique needs, our gadget insurance policies come with a range of additional benefits.

With the right level of gadget insurance, you have the peace of mind in knowing that if anything goes wrong, your favourite devices are protected. Whether you’re in need of iPhone, iPad or Mobile insurance, we can help.