Life insurance • Critical illness • Income protection • TPD
We believe that because life doesn’t always go to plan, planning for the unexpected is the only way to secure your financial future.
The Blueleaf way
When it comes to insurance, the devil is in the detail – so having the support of industry leading advisors who are renowned for creating tailored insurance plans and expertly managing claims gives you a distinct advantage.
We help you by
- Creating a personal insurance plan to protect you and your family from financial hardship
- Recommending business insurance solutions to protect your business and ensure financial stability
- Designing and implementing a group insurance program for your employees; and
- Collaborating with your other advisers such as accountants and lawyers, to ensure your plan is fit for purpose.
Working with you to determine the types and amounts of insurance you need is something we do regularly to ensure that your insurance plan keeps up as your life changes.
“We refer our clients to Blueleaf for their insurance needs because they consistently provide an excellent service. We hope our clients never have to claim on their insurance but when they do, the team at Blueleaf manage the process from start to finish and achieve the best possible outcome – their expertise is invaluable at a time that is stressful and uncertain”
Director, Boyce Chartered Accountants
Experienced and compassionate claims management
Implementing a tailored insurance plan is only the first step. We are 100% committed to the wellbeing of our clients and in the event of a claim, our highly experienced team will help you understand your full entitlements, complete the necessary paperwork and liase with accountants, medical professionals and insurance companies on your behalf.
Types of insurance
We draw on more than 30 year’s industry experience as well as independent market research to help create tailored personal, business and group insurance plans.
A comprehensive personal insurance plan protects you and your family. It may include some or all of the following types of insurance:
Income protection insurance
If you are unable to work because of an accident or illness, income protection insurance will replace up to 75% of your salary. You can also nominate how soon you would like your payments to start and for how long you would like your payments to continue.
Term life insurance
If you die or are diagnosed with a terminal illness, your term life insurance will pay an agreed amount to your beneficiaries.
Critical illness or trauma insurance
If you are diagnosed with a serious illness such as heart attack, stroke or cancer, critical illness insurance will pay you a guaranteed amount to help with the related expenses and any changes to your lifestyle.
Total and permanent disability (TPD) insurance
If you are advised that you will never be able to work again because of a disability, TPD insurance will pay you a pre-determined lump sum.
Businesses big and small are impacted when a key person dies or becomes incapacitated, but a comprehensive business insurance plan can help minimise the financial impact. Options you may need to consider are:
If a business owner dies or is unable to work because of a total and permanent disability, equity insurance provides the remaining shareholders with enough capital to purchase the departing shareholder’s equity in the business.
The loss of a partner or principal in your business can be financially offset by keyperson insurance, which provides a capital benefit to fund either a replacement or loss in profits when a keyperson becomes seriously ill, injured or dies.
Personal guarantee cover
You can release a business owner’s personal guarantees if they die or become incapacitated, using the capital provided by personal guarantee cover.
Income protection insurance
If you’re a business owner and are unable to work because of an accident or illness, income protection insurance will replace up to 75% of your salary.
Business expenses insurance
Ongoing eligible operating expenses can be reimbursed by business insurance cover if you are unable to work because of an illness or injury.
Blueleaf help mid-to-large companies create a competitive edge by tailoring group insurance programs for employees, including:
Group salary continuance insurance
Group salary continuance provides employees with up to 75% of their monthly salary if they are unable to work because of illness or injury.
Group life and TPD insurance
If an employee dies or becomes totally and permanently disabled, group life and TPD insurance pays a guaranteed lump sum to the employee or their nominated beneficiaries.
Group life insurance premiums are generally tax deductible; however, we always recommend seeking independent tax advice.
“We have been advised by the team at Blueleaf for several years and have found them to be 100% dedicated to our needs. Insurance requirements change with the complex nature of business and partnerships and Blueleaf have been flexible, accommodating and always provide advice for our individual circumstances. Between Blueleaf and my accountants, we have been provided with an excellent risk management strategy. Unfortunately I have at short notice, required advice due to my personal health issues. The care and compassion in what is a complex scenario has been extraordinarily reassuring. I cannot recommend the team at Blueleaf highly enough and am exceedingly grateful for their care and support.”
ASSOC. PROF. RICHARD HARRISON