Risk Insurances

Protect what you worked hard to build.

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Are you covered for the unexpected?

Life takes twists and turns that we can’t always see coming. That’s why it’s so important that we are prepared for life’s emergencies.  You don’t want to leave it to chance.

An accident, sickness or death of a working age parent will almost always have a significant impact on the financial circumstances of the family. Having the right insurances in place can help protect your family and your income if the unexpected occurs.

Virtual Financial has access to a large range of insurers and we can tailor your wealth protection plan to suit your circumstances. We will make the insurance process as simple as possible and help you get the right cover to protect you and those you love with a financial safety net in the event that the unexpected occurs

Types of Insurance.

There are different types of cover that fall under the broad heading of life insurance:

Life cover– also known as term life insurance or death cover, pays a set amount of money when the insured person dies.

Total and permanent disability (TPD) cover– covers the costs of rehabilitation, debt repayments and the future cost of living if you are totally and permanently disabled. TPD cover is often bundled together with life cover.

Trauma cover – provides cover if you are diagnosed with a specified illness or injury. These policies include the major illnesses or injuries that will make a significant impact on a person’s life, such as cancer or a stroke. It is also referred to as ‘critical illness’ cover or ‘recovery’ insurance.

Income protection– replaces the income lost through your inability to work due to injury or sickness.

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Adem Becirevic - Founder & CEO

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