QSA Financial Services - Risk Management

QSA offers a complete portfolio for all insurance needs to protect you, your loved ones and your valued possessions. Without insurance you dramatically increase the risk of inevitable financial stress in the event of an accident or loss. It’s just not worth the risk.

There are two key elements in a financial plan which will ensure that you meet your financial objectives; time and discipline. You need a disciplined strategy and the time to let your money accumulate and compound. However, time is not guaranteed to anyone. None of us can be certain that we will have the time needed to reach our financial goals.

A well-planned wealth protection strategy is an effective way to buy time. Insurance protection provides a reliable source of tax-free income for you and your family when it is needed most.

QSA' focuses on your individual needs for life insurance, total and permanent disability insurance, critical illness insurance and income protection. Having a sound wealth protection strategy in place can ensure the protection of our client's and provide priceless peace of mind.

One of the most difficult aspects of managing personal insurances is finding the time to ensure that the level of cover and type of policy currently in force has kept up with changing circumstances. The aim of our division is to make sure that our client’s have, the right protection solution in place. Our commitment is to make sure that our clients and their loved ones are protected which, too often, people do not make, leaving themselves and their families financially vulnerable and exposed in times of immense emotional upheaval.

Life Cover

Life cover offers the life insured peace of mind that their interests will be protected if they die or are diagnosed with a terminal illness. Life cover is usually paid as a lump sum. It may be helpful to clear the mortgage and other debts, provide for the children’s education and cover lifestyle expenses.

Trauma Cover

Trauma cover allows you to be prepared for the financial impact of a trauma. If the life insured suffers a specified trauma condition, the amount insured is paid out as a lump sum. This may assist with medical costs, extra care and the day to day expenses that quickly accumulate. It may also clear debts so that the life insured can focus on a full recovery at their own pace.

Income Protection Cover

Income protection cover usually pays out up to 75% of the life insured’s income while they are unable to work due to injury or illness. The monthly benefit would be paid until the life insured recovers, or until the end of an agreed benefit period. These monthly payments allow the life insured to meet their regular expenses and maintain their lifestyle while they are unable to work.

Business Expense Cover

A successful business plan considers contingencies and is prepared for the unexpected. A successful business plan includes Business Expense Cover. Business Expense Cover will pay a monthly benefit to assist with the day to day running expenses of the life insured’s business if they are totally or partially disabled and unable to work. This will help with salaries, rent or mortgage payments, amenities bills and many other allowable business expenses.

Living Expsense Cover

Living Expenses Cover is designed for casual employees, homemakers, those not eligible for Income Protection Cover, or those who just want a basic level of cover. It may also be helpful for retired people. This cover may enable the life insured to pay day to day living costs and stay in their own home longer, or can help withy the costs of either in home care or a long term care facility. It provides a monthly benefit if the life insured becomes significantly disabled.

Child Cover

You may not be able to protect your children from everything although you can be prepared financially so you can focus on helping them in every other way possible. If your child suffers a specified trauma condition or dies, the amount insured is paid out as a lump sum. This may help with medical expenses, rehabilitation and home modifications.