Life Cover
More than just catering for the loss of financial support of a breadwinner, life insurance policies can include disability cover and dread disease as well as income protection, should you become incapable of earning a living as a result of an accident or illness. Whether married, divorced, starting a family or a new career, life cover is appropriate for you. We will assist you in choosing the right cover for your circumstances.

Disability Cover
Depending on your requirements, disability insurance can protect more than your income should you become unable to perform your job. We will discuss the benefits and disadvantages of functional and occupational disability insurance so you can make an informed decision when taking out a disability cover.

Dread Disease
Similarly, dread disease cover can protect you from more than the loss of income. We at HDS Capital can assist you to determine which benefits you would like to include in your dread disease policy, such as excess medical fees or income lost after treatment during the recovery period.

Income Protection
While dread disease cover and disability insurance cover the medical and recuperation costs, Income protection covers the risk of temporary or permanent disability and dread disease to your income. Prolonged illnesses or accidents that render you unable to earn a living can be catered for with income protection. Ask our brokers for more information regarding income protection.

Education Protection
For more specifically focused illness and accident cover, education protection caters solely for your children’s education upon death, disability or contraction of a dread disease of the policyholder or spouse.HDS Capital will be able to adapt your policy for your child’s needs, whether it be private tuition or overseas tertiary education.