Protecting your wealth and what's important to you

The consequences of not being able to work for six months, a year or more due to illness or injury can devastate your lifestyle and plans-and those of your family.

Have you considered what would happen to your family if the main breadwinner died? While nothing compensates for the loss of a loved one, it's easy to protect yourself and your family from the financial impact of the unexpected.

Term life cover

Term life insurance provides a lump sum payment for your family in the event of your death. The money can pay off the mortgage so your family can stay in the family home and meet other financial obligations. It can ensure that a difficult time is not made worse by unnecessary financial stress.

Total and permanent disability cover

Total and permanent disability insurance provides a lump sum payment if you suffer an illness or injury and are permanently unable to work. It can help you maintain your current lifestyle and pay any additional expenses that ongoing illness or injury can bring.


Trauma insurance provides a lump sum payment if you suffer a major trauma such as cancer. It can make it easier for you to focus on your health and meet the costs of medical care and rehabilitation.

Income protection

Income protection insurance provides a regular payment in place of your income when you suffer an illness or injury and are temporarily unable to work. When you're out of action, day-to-day living costs don't stop. On top of them, the costs associated with overcoming an illness or injury need to be covered. Income protection cover can help maintain your lifestyle and take the pressure off until you're able to return to work.

Contact a Charter adviser today or call 1800 106 017 and make sure you and your family, and all that you've worked for are safe.