If you had a machine that produced say $2000 - $3000 every week, month after month, year after year, would you insure it?
Of course you would. If it broke down you would want to get it fixed as quickly as possible so that it could start generating that nice little pay packet again for you. If it ceased to operate permanently you would want to be compensated for your loss.
It's funny, most of us don't think twice about insuring our car, home or contents, but many of us still fail to protect our most valuable asset - 'Our ability to earn an income'.
You see, that machine is YOU. It is your ability to earn that puts food on the table, pays the bills and educates your children.
However, when that ability is taken away from you because of sickness or an accident then, unless you have a 'safety net' in place the fall could be financially crippling.
PilotCover has developed the 'safety net' that will protect you and your family. Whether it is partial or permanent incapacitation, critical
illness or death, PilotCover has the solution for all of your protection needs.
| UPDATE: OCTOBER 2009 Please note: Asteron & Tower are no longer accepting new applications. |
We are able to offer Commercial Pilots, Flight Engineers and Flight Crew:
* Asteron, CommInsure and Tower Income Protection Products
* Life Insurance
* Trauma (Critical Illness) Insurance
Call us today for a no obligation report or complete the online enquiry form.
PilotCover Freecall 1800 20 23 20
Email - info@pilotcover.com
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AREAS OF INSURANCE THAT NEED TO BE REVIEWED.
Income Protection Insurance
Here are your options;
PilotCover Comparison Table
|
Description |
Asteron |
CommInsure |
Tower |
|
Agreed Value Contract |
No |
Yes |
Yes |
|
Indemnity Contract |
Yes |
Yes |
Yes |
|
Entry Age |
20 - 49 |
20 - 55 |
18 - 50 |
|
Min/Max Waiting Periods |
90 - 730 |
30 - 730 |
30 - 730 |
|
Benefits Periods |
2Yrs, 5Yrs, |
2Yrs, 5 Yrs, |
2Yrs, 5 Yrs, |
|
Maximum Monthly Benefit Payable |
$12,000 |
$30,000 * |
$12,000 ** |
|
Day 1 Accidental Injury Benefit |
No |
Yes |
No |
|
Own Occupation Cover to Age 55 |
Yes |
Yes, then Any Occupation to Age 60 |
Yes |
|
Accident and Illness Worldwide Cover |
Yes |
Yes |
Yes |
|
CPI Linked |
Yes |
Yes |
Yes *** |
*Maximum of $2 million over the duration of the policy.
**Maximum claim payable in any 12 month period is $144,000 per annum.
***But not once sum insured reaches $12,000 per month
All contracts include additional benefits such as the ‘Rehabilitation Expense Benefit’, however you should refer to the Product Disclosure Statements for SPECIFIC details of all benefits available.
Areas of Insurance that need to be reviewed
Life Insurance
Because lives depend on it.
We’d like you to take a moment and sit down and really think what life would be like for your family if you died.
Where would the money come from to cover the mortgage, school fees, running the car, credit cards, everyday living expenses, such as food clothing, phone bills, gas, electricity and child care.
Not to mention funeral expenses and other medical expenses that your health fund simply does not cover.
You may have money in a savings plan or investments. Perhaps equity in your home. But turning these into cash may mean your family having to sell assets, which could cause even more disruption at a time when they really need financial support and the time to adjust.
It is not a pretty picture.
PilotCover can assist you with all of your insurance requirements.
Trauma, Recovery, Critical Illness Insurance
Most of us know someone who has been diagnosed with cancer or a serious medical condition.
“Statistics show us that on average 1 in 4 women and 1 in 3 men will suffer from a cancer during their lifetime”.
Cancer in NSW, 1998.
“Cardiovascular disease was the leading cause of death among Australians in 1998, accounting for 40% of deaths.”
Aust Heart Foundation, 2001.
Trauma, or Critical Illness Insurance pays you a lump sum of money when you are diagnosed with a critical illness.
Many companies will offer cover for the following;
|
Aplastic Anaemia |
Heart Attack |
Major Organ Transplant |
|
Blindness |
Heart Surgery |
Multiple Sclerosis |
|
Cancer |
Kidney Failure |
Occupationally Acquired HIV |
|
Chronic Lung Disease |
Liver Disease |
Paralysis |
|
Coma |
Loss of Limb/Eye |
Parkinson’s Disease |
|
Dementia |
Loss of Speech |
Severe Burns |
|
Deafness |
Major Head Trauma |
Stroke |
Most of our clients who we have assisted during their trauma claims have used the funds to eliminate debt, or to pay for the unexpected medical bills that their health funds did not cover.
Please contact our office for an information kit to be sent to you with detailed information.
