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Insurance Needs  


Personal Insurance

Personal Insurance protects you, your family and your business in the event of the unexpected.  It is possible to minimise the financial loss to your family or your business with appropriate personal risk insurance cover. 

PAX Financial Group offers specialist insurance options on all types of personal insurance including:


          • Income Protection Cover
          • Trauma or Crisis Cover
          • Business Expenses Insurance
          • Total & Permanent Disability Cover (TPD)
          • Life Cover


Income Protection Cover provides a replacement income stream if you are unable to work due to illness or injury.  A monthly benefit is paid until the insured person recovers or until the end of an agreed benefit period.

Income Protection can also help ease the burden of medical and rehabilitation costs. 

Trauma or Crisis Cover allows you to be prepared for the financial impact of a trauma. In the event you suffer a specific trauma condition ie cancer, heart attack, major organ transplant or paralysis.  With over 30 conditions covered, the amount insured is paid as a lump sum or installments.

This will assist with medical costs, extra care and the day to day expenses that quickly accumulate.  It may also clear debts, thus enabling you to focus on a full recovery.


Business Expenses Insurance will pay a monthly benefit to assist with the day to day running expenses of your business if you are totally or partially disabled or unable to work. 

This will help with salaries, interest on a business loan or rent payments, amenities bills and many other business expenses.


Total & Permanent Disability Cover (TPD)

offers protection and financial peace of mind in the event you become totally and permanently disabled.  The amount of cover is paid either as a lump sum or in installments after a six month qualifying period and will greatly assist in the payment of ongoing medical expenses, home help, nursing or any necessary modifications to the home.


Life Cover is designed to pay a lump sum in the event of death, or if you become terminally ill.  The policy can be taken out on your own life in which case you are the life insured and policy owner.  A policy can also be taken out to insure someone else's life – a spouse, family member or business partner.  Your Life Cover can be owned by the trustee of a complying superannuation fund.

Life insurance safeguards against the financial effects of unexpected death or disablement at both a personal and professional level; and alleviates the need to liquidate assets or dip into savings.


For a confidential discussion, please register your details with us and we will contact you shortly to discuss your requirements further.           - home page -