Life and Income ProtectionIncome Protection & Life

Life is a risky business at the best of times but a sound insurance policy or two can help relieve the pain, at least financially, of just about anything that nature throws at you.

Income Protection

This cover is designed to replace 75% of your income in the event that you are unable to work due to an accident or illness.

Business Expenses

Provides cover for business overheads (fixed operating expenses) following injury or illness. This cover is commonly confused with ‘Business Interruption’ Insurance covered elsewhere on this website.


This cover provides a lump sum payment in the event of specified conditions e.g. cancer, stroke, heart attack. Holding this cover allows you to focus on recovery without eroding existing wealth during this time.

Life insurance provides a lump sum payout in the event of death / prognosis of death with the aim to resolve debt and provide income to dependents.

Total & Permanent Disability (TPD)

Provides for a lump sum payment after a consecutive 3 month period of total disablement following which medical advice confirms you are unable to work again, either at your own occupation, or any occupation depending in the type of cover you purchase.

Key Person

The term ‘Key Person’ refers to a person or employee, whose contribution to an organisation is essential to its success or the successful continuity of the business. If the ‘Key Person’ dies or becomes disabled their major contribution disappears and the business may suffer financially. Key Person insurance provides funds to assist the business in continuing operations and implementing contingencies.


Part of a business succession strategy, which allows one partner to buy out a deceased or disabled partner’s share in the business. The purchase is funded by the insurance policy.

Accident, illness and early death – it might never happen. But if it does, who will look after you, your business and your family?

An insurance policy, tailored to your needs from Dental Essentials, that’s who.

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