Risk Insurance

Finnia Wealth provides advice and assistance to ensure you are properly protected.

This process entails ensuring the most effective levels & type of cover are evaluated and recommended.

We provide peace of mind to ensure you can focus on what matters most.

Life Cover

Taking out a Life Cover plan helps plan for the unexpected, it can be used to help settle outstanding loans, debt, and other financial costs in the event of death. The benefits of having a Life Cover plan can help provide a lump sum payout designed to provide security for loved ones or business partners when the life insured no longer can.

TPD

Total and Permanent Disablement Cover can provide a lump sum payment in the case of an accident or illness resulting in his or her total and permanent disablement, which can be used to replace any future income that is lost, to settle the debt or pay for lifestyle adjustments such as wheelchair access and manual car controls.

Income
Protection

Our Income protection can be divided into the following three categories:

Income Protection

Income Protection cover provides financial support by paying a monthly income if you are unable to perform one or more duties of your usual occupation solely due to an injury or sickness and is worldwide 24/7 cover.

Income Protection Accident Only

The Income Protection Accident Only cover will provide a monthly income if you become disabled solely as a result of an accidental injury

Income Protection CORE

Income Protection CORE policies provide clients with a monthly income if they become Totally or Partially Disabled solely due to Sickness or Injury. Both Total and Partial disablement claims are assessed with reference to your client’s inability to perform the “material and substantial duties” of their own occupation in the first 24 months and thereafter any suitable occupation.

Trauma

Trauma events can happen at any moment. In these unpredictable circumstances, there is an immediate need for financial help.

The Trauma and Double Trauma benefits will pay a lump sum if the life insured is diagnosed within the terms of the policy definitions, with one or more of the conditions listed in the Trauma Event groups following:

Cancer Events
Coronary Events
Other Serious Trauma Events
Trauma can be purchased as a:
Stand-alone benefit, and /or
Rider benefit under the Life Cover benefit.

Business Expenses
Cover

Business Expenses insurance cover is specifically designed for self-employed individuals who need to ensure that the fixed expenses of their business or practice will still be paid even if they cannot work solely due to injury or sickness. The benefit covers business expenses less any amounts reimbursed from elsewhere.

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