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Our experts specialise in planning for the unexpected.  In the unfortunate event of illness, injury or death to you or your partner, insurance is critical in providing financial compensation to protect your family’s daily living expenses and secure their future.

Bright Wealth are insurance specialists and can meet with you to review your personal needs and make a recommendation about the types and levels of insurance cover that are suitable for you and your family.

The four types of personal risk insurance are:

  1. Life insurance: Pays a lump sum to your beneficiaries in the event of your death

  2. Total and permanent disablement cover (TPD): Pays a lump sum if you’re no longer able to work due to total and permanent disablement. This additional money could be used to repay loans, help meet day to day living expenses, fund medical expenses, meet rehabilitation costs and pay for any modifications required to your home.

  3. Trauma cover- Pays a lump sum in the event you suffer, for the first time, certain specified medical conditions such as a serious heart attack, stroke, cancer, etc.

  4. Income protection insurance: Insures you against the loss of income while you are unable to work because of illness or injury.   Income Protection insurance pays up to 75% of your salary package from your employment.

At Bright Wealth, we can ensure you have adequate cover in place to give you peace of mind, knowing that in the event of your death, injury or terminal illness, your family will be financially protected and able to maintain their current standard of living.

We will review your personal circumstances and recommend the type and level of cover required that will provide you and your family with assurance and security.


Combined Financial Services and Credit Guide (FSG)