Insurance

No one wakes up in the morning wanting to buy insurance, but we all need it to protect against the curve balls that life can throw at is.

It can take the shock of seeing someone close to us suffer a serious illness, accident or early death to spur us into action. But this may be too late.

When you are healthy is the time to put insurance in place so that you can get cover, and ensure there is money available for you, your family and business if you need it.

Nautilus can provide you with personalised advice on personal insurances and business insurances.

Personal Insurances

You’ve probably got your house, car and contents insured but what about your biggest asset? Your ability to earn! This relies on continued good health which is far from guaranteed.

Personal insurances can provide:

• Payment for expensive medical treatments (Health Insurance)

• A cash lump sum if you get seriously ill (Trauma Insurance)

• A regular income if you are unable to work (Income or Mortgage Protection)

• A cash lump sum if you can’t work again (Permanent Disability Insurance)

• A cash lump sum if you die (Life Insurance)

Business Insurances

Most businesses have insurance in place for professional indemnity and equipment, but very few have protection against the financial impact of a key person being unable to work.

Key person insurance can provide:

• Regular revenue if a person is unable to work for a period (Loss of Revenue Cover)

• A cash lump sum(s) if a person can’t return to work to help (Key Person Cover):

  • Pay for the transfer of equity between owners

  • Pay-off personally guaranteed business loans

  • Prepare a business for sale or wind-up

Group insurance schemes provide personal insurances for employees at low or no cost, and cover where it otherwise might not be available. As part of your employee benefits package, they are a powerful way to attract and retain staff, and to show you care.