| Situation | The statistics | Result | Financial protection solution | Description |
| A major medical trauma, eg. a heart attack, cancer or stroke. | One in three men and one in four women will develop cancer before the age of 75.1 | Family/loved ones must cope with increased financial burden of your medical costs, as well as the reduction in family income for an unknown period of time. | Trauma insurance | If you suffer from any of the specified traumas, your trauma policy will pay a lump sum benefit to help ease the financial strain on your family - leaving you free to concentrate on your recovery. |
| Disability through an accident or a substantial period of time away from work due to illness or injury. | The chance of a 35-year-old male becoming disabled for one month or more prior to age 65, is 68 per cent. For females, statistics are even greater at 69 per cent.2 | Loss of income means it may be difficult to cover outstanding debts and maintain your current lifestyle. | Income protection | Income protection cover offers up to 75 per cent of your gross income (net of business expenses but before tax) if you’re unable to work due to sickness or injury. |
| Accident or illness stops you from running your business. | . | Your business’ profitability may suffer and you may experience a substantial decrease in your income. | Business expenses protection | Business expenses protection allows you to recoup a range of allowable expenses that your business is likely to incur if you become totally disabled. |
| Premature death | . | Your family left to cover any outstanding debts. | Life insurance | In the event of death or the diagnosis of a terminal illness, your life insurance policy will pay a lump sum to your loved ones. |
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