PKF Australia

Accountants and Business Advisers

Personal Insurance

Personal Insurance


Life insurance pays a lump sum to your family or other dependents upon your death. Your family can use the funds to meet commitments such as the mortgage or to maintain their standard of living.

Total Permanent Disability (TPD)

TPD insurance pays a lump sum if you become totally and permanently disabled because of accident, illness or disease that prevents you from engaging in any occupation for which you are reasonably qualified.

It helps you to adapt your lifestyle if you're unable to work, providing options that help you:

  • Fund lifestyle changes and home modifications
  • Cover the cost of long term care or medical expenses
  • Pay off any debts including your mortgage
  • Fund an ongoing income for your family.

Critical Illness (Trauma Insurance)

Trauma insurance pays a one off lump sum if you suffer a major trauma such as a stroke, heart attack, cancer or one of more than 30 other conditions. It can help to reduce the stress and financial pressure that comes with loss of income, medical bills and rehabilitation fees. The most common claims under these policies are for cancer, heart attack, coronary bypass and stroke.

Income Protection

In the event of illness or accident, Income Protection Insurance ensures your cashflow continues, paying up to 75% of your gross income. It pays you (after your waiting period) up until you return to work or, if you're unable to return, up until retirement age (65, depending on your occupation).

It's tax deductible too. It's a great comfort to know you can keep paying your mortgage and other bills and just focus on getting well.

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Personal Insurance

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