Life insurance
Pays a lump sum or regular benefit if the person covered dies during the policy term, provided the claim meets the policy terms.
Protection & insurance
Protection for your home, income and family.
Rahul will help you consider the financial impact of illness, injury or death and explain which types of cover may be appropriate for your needs and budget.
Discuss protectionImportant information
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.
Types of cover
Types of cover Rahul can discuss.
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
Buildings, contents and liability cover designed for eligible rental properties, depending on 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.
Request a protection reviewFrequently asked
Questions about protection advice.
Policy terms and underwriting depend on the insurer and the individual application.
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.
Will a policy always pay a claim?
No. A claim depends on the policy remaining in force and meeting its definitions, terms and exclusions. Rahul will explain the relevant policy details before you decide.
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.
How is RG Financial paid for protection advice?
Before any application is made, Rahul will explain in writing whether RG Financial will receive commission from the insurer and whether you will pay a separate fee.