Insurance Solutions

Mortgage House has an established alliance with Perpetual Private Clients, who work with our organisation to offer you a range of quality insurance solutions, including life cover, income protection insurance, trauma, total and permanent disability insurance and business succession.

Whilst we think it will never happen to us, many families find themselves struggling financially when the income earner becomes ill or injured and is no longer able to provide for their family. If this happened to you, ask yourself these questions:

Would you be able to continue to make your mortgage repayments?
What would happen to your business?
How would your family manage financially?

We can help you with:

Tailored personal insurance advice
Access to a range of insurance policies including income protection (salary continuance), trauma, life, total and permanent disability, and key person insurance
Business succession planning

Insurance	Description
Salary continuance (Income protection)	Purpose: To cover your daily living expenses if you can no longer earn an income. This provides a benefit of up to 75% of your income if you become ill or unable to work due to accident or injury. Depending on the circumstances, benefits can continue to be paid until you turn 65.
Life (Death)	Purpose: To provide your family enough to pay debts, meet immediate expenses and maintain their standard of living if you die This provides a single payment to your beneficiaries if you die. This payment can help your family repay debts, cover funeral expenses and medical bills and maintain their lifestyle.
Total and Permanent Disability (TPD)	Purpose: To help maintain your standard of living if you become seriously disabled Provides a one-off payment if you become seriously disabled. This can help provide for immediate and ongoing medical needs, any home modifications and to pay any remaining debts.
Trauma	Purpose: To help you with costs and living expenses if you suddenly become seriously ill Provides a one-off payment in the case of a serious illness such as cancer or heart attack. This can help pay for medical costs associated with treatment, repay any debts and unexpected expenses.

For further information on how you can obtain the right insurance cover for your circumstances, please submit your details and we will contact you.

Where to go from here

Perpetual Private Clients advice and services are provided by Perpetual Trustee Company Limited (PTCo), ABN 42 000 001 007, AFSL 236643. This information has been prepared by PTCo. It contains general information and is not intended to provide you with advice or take into account your objectives, financial situation or needs.