Why is Insurance So Important?

Nothing can replace your health or your life. What insurance cover can do is ease the financial burden and take care of you and your loved ones.

You insure your car and your home. But nothing is more important than your life and your ability to make a living. Why not insure your greatest asset – you?

There are different types of risk insurance available, each that meets different needs:

Life insurance or death cover pays out a lump sum on your death to your dependants or to your estate.

Total and Permanent Disablement (TPD) pays out a lump sum to you if you if you suffer a serious illness or injury that makes it unlikely you can ever work again in any employment for which you are reasonably suited. There is usually a qualifying period before payment is made to you.

Income Protection pays you a regular income if you are seriously injured or ill and can’t work for some time. It typically starts after a certain qualifying period and is payable for a maximum duration.

Trauma or Critical Illness pays you a lump sum in the event of a major catastrophe such as a medical trauma. Critical illness insurance covers specific conditions such as blindness, coma, heart attack, stroke or cancer.

HSFP is not tied to recommend any one insurer. We offer advice and our aim is to find you the most appropriate level of cover with the appropriate provider.

Unlike many financial planners, we don’t rely on a commission for remuneration, so you can be confident we are acting in your best interest.

With years of expertise in sourcing insurance, we can find the most appropriate level of cover for you. Your medical history or occupation might call for a special approach. HSFP can make all the difference when it comes to ensuring your application for insurance is implemented as easily as possible.