Insurance Products

Health Insurance
Top Half Financial Services|Insurance Products
Gives you access to the best medical treatment when you need it at a hospital of your choice.
Mortgage Protection
Top Half Financial Services|Insurance Products
Provides money to meet your mortgage payments if you are unable to work due to illness or injury.
Income Protection
Top Half Financial Services|Insurance Products
Pays a percentage of your income if you are unable to work due to illness or injury.
Critical Illness / Trauma
Top Half Financial Services|Insurance Products
Pays a lump sum in the event of you suffering a critical illness.
TPD
Top Half Financial Services|Insurance Products
Total and Permanent Disability Cover will pay out a lump sum in the event you become permanently disabled.
Life
Top Half Financial Services|Insurance Products
Pays a lump sum in the event of death.
Business
Top Half Financial Services|Insurance Products
Safeguard your business against the loss of a key staff member or an owner due to illness or injury.
Rural
Top Half Financial Services|Insurance Products
Protect the ability of your farming operation to generate revenue if you are unable to work due to illness or injury.

How we do it

Personal Insurance

Your family is the most important thing to you. You want to make sure that they are protected should anything happen. Many people insure their car and their home but neglect to insure themselves. Your ability to earn an income over your working life is probably the greatest asset you have.

We provide advice, implement and monitor a risk protection plan to address the following:

    • Assess your current financial position
    • Ways to safeguard you and your family against loss of income due to accident and illness 
    • How to provide for your family in the event of your premature death, injury or illness  
Business Insurance

Self employed and business owners need to make sure the running costs of their business can be maintained even if they aren’t managing the business hands on. Whether you are an established or a new business, let us show you where you are at risk and how to manage this.

We provide advice, implement and monitor a risk protection plan to address the following:

    • How the company's profitability would be affected if a key person was incapacitated
    • Whether there are the necessary agreements and plans in place in the event a shareholder dies prematurely suffers a critical illness or becomes totally disabled. 
    • How business loan obligations can be met - without jeopardising personal assets
    • If your ACC has been structured cost effectively in line with your other insurances and income structure.
Rural Insurance

Your farm and your ability to run this generates the income you need to provide for you and your family, so a threat to the farming operation is also a threat to the family lifestyle. Revenue protection can help ensure that you have a regular income so that your family can have financial security and protect your farming assets.

We provide advice, implement and monitor a risk protection plan to address the following:

    • Revenue streams if a key person is incapacitated.
    • Whether there are the necessary agreements and plans in place in the event a shareholder dies prematurely suffers a critical illness or becomes totally disabled.
    • How loan obligations can be met.
    • If your ACC Levies have been structured cost effectively in line with private insurance