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Helen is a loans officer with a large bank. She’s a single parent aged 34 with two children aged 10 and 7. She took out a trauma protection plan after her best friend died after a long battle with cancer.

Unfortunately nobody knows when an accident or illness may strike. It is a little known fact that most insurance claims are for illness, not accidents. The majority of these are not covered by Workers’ Compensation or other government bodies.

“My wife and I and my partner and his spouse are really concerned that if something goes wrong like permanent injury or accidental death. What should we do to make sure both our business and personal debts are paid quickly?”

Have you ever thought what you would do if you became seriously ill, but still needed to pay the mortgage or other debts? Would you have enough savings put aside for medical expenses and on-going treatment, let alone the day-to-day living expenses needed for you and your family?

My husband and I are young, earn good incomes and we are purchasing our own house. We don’t plan on having a family for some years yet. We would like to know what insurances we should take out should something unforeseen happen to either one of us.

Mary is 42 and owns her own hairdressing salon. Her husband is a branch manager for a tyre company. They have a 5-year-old daughter who starts primary school next year. Like many people, they have a mortgage and business overheads to cover, as well as expenses and bills.

Trauma insurance, which is also known as critical illness insurance, is a relatively new form of wealth protection. This cover pays a tax free lump sum to the insured upon diagnosis of one of an extensive range of medical conditions.

If something serious were to happen to me I could lose everything. My job, the new house and possibly our savings could all go. What can I do to protect these things for  our family?”

Jim, a 38 year old plumber, took out a life insurance policy that was owned by his wife Melanie, “just in case”. Jim was as fit as a bull. He hadn’t missed a day off work because of illness in years. He thought he was bullet proof and that he would “never need that life insurance stuff”. But he did, sooner than he thought.

You’ve probably considered the importance of protecting your income against accident and illness, and taken out income protection insurance. But if you own your own business, what about the impact that illness or injury could have on the very thing that provides this income - YOUR business?

David is a 35 year old accountant, married with 2 children. He is earning $80,000 p.a. as an accountant. David’s wife Jane (34) stays at home looking after the children Rick (3) and Thomas (1).