RISK INSURANCE GUIDE

  1. Key concepts in life insurance

  2. Life cover

  3. Income protection

  4. Total and permanent disability (TPD)

  5. Trauma cover

  6. Business cover

Contents

Introduction

 

Broadly speaking, there are five types of life insurance:

  • Life cover (this is sometimes called death cover);

  • Income protection cover;

  • Total and permanent disability cover (TPD);

  • Trauma cover; and

  • Business cover (for either business expenses or a key person in the business).

We will look at each of these in turn. But before we do, let’s look at a few general concepts that apply to all or most forms of life insurance.

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1. Key concepts in life insurance

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