Insuring that you have appropriate Disability Cover is important and can be done in the form of Capital Disability Insurance or Income Disability Insurance, with the ideal solution being a mixture of both.

Capital Disability

A capital disability policy pays the insured a capital lump sum amount. Different insurers use different claim filters and triggers to assess disability claims and pay an actual lump sum or a percentage of the lump sum, dependant on the severity of disability.

Income Disability

Traditional income disability benefits allow clients to insure a maximum of 75% of their monthly income. A unique and powerful feature of our product offerings are that the benefit payments upgrade to 100% of a client's income on permanent disability. While it's always important to seek value for money, it is essential to make sure you fully understand the benefits of each policy before implementation. Income replacement policies can be technical and have many options and variations, making it vital that your individual requirements and needs are assessed and addressed.

A DSA Advisor can assist you in piecing together a financial plan in the event that you become disabled and no longer have the mental or physical ability to earn an income.