Life insurance
Designed to pay a cash lump sum if the person covered dies during the policy term and the claim meets the policy terms.
Protection & insurance
Protection for your home, income and family.
Rahul will review how illness, injury or death could affect your mortgage and household finances, then explain relevant cover options, costs, limits and exclusions based on your needs and budget.
Discuss protectionImportant information
All policies are subject to their individual terms, conditions, exclusions and underwriting.
Cover may end if premiums are not maintained. A successful claim depends on the policy terms and the circumstances of the claim.
You must take reasonable care to answer an insurer’s questions fully and accurately. If information is incorrect or incomplete, the insurer may amend the terms, reduce or refuse a claim, or cancel the policy, depending on the circumstances.
Should you fail to disclose or misrepresent a fact, then you risk the insurer only paying part of the claim, declining to pay all the claim and possibly declaring the policy invalid.
Types of cover
Protection options for your mortgage, income and family.
Definitions, exclusions, benefit limits and eligibility vary. Rahul will explain the relevant details before you decide.
Critical illness cover
Pays a benefit if the person covered is diagnosed with a condition listed in the policy and meets that policy’s definition.
Income protection
A regular benefit designed to replace part of your income if illness or injury prevents you working.
Family income benefit
A regular benefit for the remaining policy term if a valid claim is made.
Buildings and contents insurance
Buildings insurance can cover the structure of the property; contents insurance can cover belongings, subject to the policy’s limits and exclusions.
Landlord insurance
May combine buildings, contents and property-owner liability cover for a rental property, subject to the policy selected.
A protection review
Understand the financial gap before choosing cover.
What would happen to the mortgage if your income stopped? How long could savings cover essential costs? What support already exists through work?
Rahul will review those questions, any existing policies, your priorities and your budget before making a recommendation.
No fee is charged for protection advice. If you take out a policy, RG Financial Services will receive commission from the insurer. The policy cost and commission will be explained before you proceed.
Request a protection reviewFrequently asked
Questions about protection advice.
Policy terms and underwriting depend on the insurer and the individual application.
Do I need protection with a mortgage?
Mortgage conditions vary. Buildings insurance is commonly required, while life insurance, critical illness cover and income protection are usually optional. Rahul can help you consider how the mortgage and household costs would be managed if illness, injury or death affected your finances, then explain relevant options and costs.
When should protection be reviewed?
A new mortgage, home move, change of job, marriage, separation, a new child or a material change in income may be a good time to review your cover. Existing cover should be considered before anything is replaced.
What affects whether a protection claim is paid?
The policy must remain in force and the circumstances must meet its definitions, terms and exclusions. Full and accurate answers during the application are important. Rahul will explain the relevant details before you decide whether to apply.
What information will an insurer request?
This depends on the cover and applicant. Questions may include health, occupation, lifestyle, finances and existing cover. You must take reasonable care to answer fully and accurately.
Can Rahul review protection I already have?
Yes. Rahul can consider existing personal policies and cover provided through work alongside your current needs and budget. Do not cancel existing cover until any replacement policy has been accepted and is in force, and the implications of replacing it have been explained.
Contact Rahul
Would you like to review your protection needs?
Tell Rahul what you would like to protect, what cover you already have and the question you want answered.
No fee is charged for protection advice. If you take out a policy, RG Financial Services will receive commission from the insurer. The policy cost and commission will be explained before you proceed.
Start a protection enquiry