Properly structured life cover is the most important financial asset your family can own, giving you the peace of mind of knowing that you and your family are covered.

Life Cover

In the event of death or the diagnosis of a terminal illness, Life Cover provides a lump sum payment that your family can use to pay your mortgage and additional living expenses at this difficult time.

Total and Permanent Disability (TPD) Cover

If a sickness or injury means you are unlikely to work again, TPD insurance can be structured to provide a replacement income or a lump sum for home modifications and medical treatment.

Trauma Cover

Trauma Cover provides a lump sum if you suffer a critical illness such as cancer, stroke or heart attack. Trauma Cover can be used to reduce debts, fund medical treatment or make lifestyle changes such as reducing your working hours.

Income Protection Cover

Working out the right amount of income protection cover to meet the needs of you and your family can be challenging. Your InterRISK consultant can help you structure and set up the right amount for you and your family.

InterRISK LIFE helps you put the right insurance structures in place so your company survives the loss of a key person with minimal disruption to your business.

Key Person Insurance

InterRISK LIFE has the specialist knowledge to help you structure enough insurance to cover recruiting and training a replacement, buying out a key person’s share, loss of productivity and sales, and loss of goodwill and credit ratings.

Buy/Sell Cover for Business Succession

Having a clear and agreed plan in place around the ownership of your business saves your organisation from conflict if a business owner or partner dies or is permanently disabled. InterRISK LIFE has the expertise to help you put the right buy/sell plan in place to facilitate a smooth transition of ownership and survival of the business.

Income Protection Cover

If one of your business partners is suddenly unable to work, how long will they continue to draw a salary from the business? Income protection for each partner ensures income in this event without drawing on the business.

InterRISK LIFE enables you to join the growing number of employers who are discovering that a properly structured group risk program helps organisations attract, reward and retain quality staff.

Group Life and Disability Insurance

Most super policies do not include enough death or total and permanent disability insurance. InterRISK LIFE allows your employees to choose an appropriate level of cover at a lower premium than a personal policy.

Group Salary Continuance

Many Australian employees expect ongoing support from their employers if they are unable to work for an extended period. InterRISK LIFE’s Group Salary Continuance insurance option ensures you have a well thought out strategy to minimise business distraction and financial obligations.

Corporate Superannuation

The introduction of the employer superannuation guarantee system has meant that many employees are now aware of the benefits of a well-structured, tailored superannuation plan. InterRISK can help you provide this. We will review your existing plan, provide advice and if necessary create a completely new plan to optimise benefits for your members.