Mel Cook Insurance.

Life Home Vehicle Farm

Total and Permanent Disablement cover:

Generally a lump sum payment if after 6 months the insured cannot perform either any gainful occupation, or the main duties of their usual occupation, or one which the insured is qualified to perform by education or experience.

Best suited to:

Someone who wants their family or business partners to be as financially secure if they were totally and permanently disabled, as their family or business would be if they had died.

Want to know more? Contact Us

 

Independence cover:

A lump sum payment in the event the insured suffers an illness or injury which prevents them from performing 2 of the 5 Activities of Daily Living; or lost the ability to Think, Learn or Remember; or the permanent loss of use of limbs or eyes as the result of an accident.

Best suited to:

Someone who wants their family or business partners to be as financially secure if they lost their independence, as their family or business would be if they had died.

Want to know more? Contact Us

 

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