Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss.

What We Can Offer for your Insurance Needs

Civic finance offers a number of insurance services which include mortgage protection, life cover, income protection and critical illness, trauma or TPD insurance.

Mortgage Protection insurance

This protects your home or Investment property should something happen to your ability to make mortgage repayments.

In some cases, you are covered up to 30 months if you are unable to work due to sickness or an accident, or involuntarily unemployed, or whole lump sum can be paid out of your Mortgage depends on your cover and policy.

Life Cover insurance

Life insurance is a cover designed to provide a lump sum payment in the event of the death of the life insures or if the life insured is diagnosed as terminally ill. PDS (product disclosure statement) of the insurance providers should be read before taking the policy for terms and conditions.

Income Protection Insurance
Income protection insurance is designed to pay a benefit if the insured person is unable to work due to an illness or injury. The benefit is generally paid monthly after a selected waiting period and in arrears and can accrue for the entire benefit period if the insured person is assessed and disabled. It is highly recommended to read the PDS (product disclosure statement) for terms and conditions.

Critical Illness, Trauma or TPD insurance
Total and Permanent Disability Insurance (TPD) is designed to help take the pressure off you financially if you suffer an illness or injury that leaves you totally and permanently disabled. The lump sum benefit paid is often used to eliminate debts, pay for medical expenses or fund permanent lifestyle changes.

Difference between Trauma Cover and Total Disability Insurance (TPD)

Many Australians carry both traumas cover and total disability insurance (TPD). Although trauma cover and total disability insurance (TPD) are similar, they are designed to produce two different outcomes.

Please feel free to speak to us and we can assist you to explain how you can protect your family and wealth by considering all above mentioned insurance services or any of the above insurance cover which is important for your piece of mind.

Address Info

Suite 307 Building A Level 2, 1-3 Burbank Place Baulkham Hills NSW 2153

Number Phone

0431 413 344