Insurance
GBHL offers free, non-aligned insurance advice and helps tailor solutions that meet your requirements and fit your budget.
With specialist insurance brokers in our offices we are able to provide risk management advice and insurance quotes specific to your own situation. The aim is to ensure that you will receive financial compensation (have the money you need) if something unforeseen happens.
Insurance is designed to provide you financial compensation when you suffer due to a major unforeseen event that has a significant impact on your finances. We know that the best insurance will forever be the one that you don’t need, but it is always better to have and not need – than to need and not have. The risk of living without insurance is too great and therefore insurance is needed. Ensure helps you get the insurance you need at a price you can afford.
Income Cover
Usually a monthly benefit designed to replace your income should you suffer a total or partial disability which leaves you to be unable to earn your normal income.
Mortgage Cover
Mortgage Repayment Cover or Mortgage Protection Cover is a packaged insurance product designed to ensure that you and your family do not lose your home should you lose your income due to an illness, accident, death and some policies also have a redundancy option. Mortgage repayments continue should you suffer a total or partial disability. A monthly benefit is paid during treatment and recovery.
Life Cover
Life Cover provides a lump-sum payment in the event of your death. The purpose of Life Cover is to provide financial compensation for the lost income (for life) from the deceased person. This is generally paid out as a lump-sum which can be used to repay debt and fund the future lifestyle for the family.
Total & Permanent Disability Cover (TPD)
A lump sum payment should illness or injury mean an inability to work and provide income to meet your financial needs. You decide on the purpose of the funds, which are usually used to reduce or repay debt, provide home modifications, additional care or create an investment fund to generate ongoing income.
Trauma Cover
Trauma Cover provides a lump sum payment should you suffer a specific trauma condition. The specific trauma conditions are usually critical or serious conditions that are often life threatening and will have a significant financial impact to you and your family. Trauma Cover is also known as Critical Illness Cover, Crisis Cover, Major.
Medical Cover
Funding to ensure you have access to private hospital treatment when you require. With the Ensure Solution, and indeed across all our business facets, our philosophy is that insurance should compensate you for financial loss resulting from an insured event and not just be a windfall gain. We believe insurance should provide protection against “severe impact risk” and that lesser risk should be self insured.