To ensure that you or your family are not disadvantaged in the event of an accident, injury or serious illness, there are 4 main type of insurance that everyone should understand:


  • Income Protection

  • Life Cover

  • Total and Permanent Disability

  • Trauma


At GTG Capital Partners, we can help you to choose the right type and the right amount of cover to protect yourself and your loved ones.

Income Protection

Life Cover

Total & Permanent



Provides a monthly benefit to replace income if you are unable to work due to an injury or illness.

A lump sum payable to your beneficiaries in the event of a death. It is important to cover debts and dependants costs which are dependent on your ability to provide an income.

TPD is a lump sum benefit that is payable if you are unable to return to work in the event of an injury or illness.

Trauma is payable in the event of a specified medical condition, the most common being Cancer, Heart Disease or Stroke.

As your life changes, so do your insurance needs. Taking out a mortgage, having children, getting married and changing employment situations can all increase your financial responsibilities, so an important part of the process is reviewing your cover to ensure that you always have the appropriate insurance in place.


To ask how a GTG Capital Partners Adviser can help you complete an Insurance needs analysis, and source an appropriate insurer for you and your family, contact us here