Personal Insurance

Ensure financial protection for you and your family into the future.

You’ve worked hard to get to where you are. Now it’s time to manage and secure your financial future.

Personal insurance is about protecting your greatest asset – you and your ability to generate an income. With the right cover, you know you and your family will be cared for and safeguarded if something should happen to you. It can replace all or parts of your income if you’re unable to work due to illness or injury, and provide funds for unavoidable expenses such as rent, mortgage repayments, education and feeding your family. These costs don’t stop simply because you can’t work, whether briefly or indefinitely.

Talk to a Personal Insurance Consultant

You are your biggest asset

At DPM, we know that getting personalised, tailored advice ensures your insurance cover is the best fit for you and your personal situation. Our insurance consultants don’t sell products; they take the time to understand your circumstances so they can offer you a carefully curated choice of relevant options and products on the market.

Your personal insurance needs will vary as your personal circumstances and career evolve.

Check points include:

How much you earn
Your age when taking out the policy
Your employment arrangements
Your living costs

Your long-term financial and personal goals
Your assets, loans and debts
Your family circumstances.

The main personal insurance types to consider are:

Income Protection Insurance

Provides monthly income if you’re unable to work due to an illness, injury or accident.

Trauma Insurance

Provides a lump sum if you’re diagnosed as suffering from one of many defined medical conditions, including cancer, stroke and heart attack.

Total and Permanent Disablement Insurance

Provides a lump sum payment if you are totally and permanently disabled. It’s useful for covering debts, ongoing medical expenses and home modifications.

Business Expenses Insurance

Pays a monthly benefit to assist with day-to-day operation of a business if you are unable to work due to an illness, injury or accident.

Term Life Insurance

Provides a lump sum payment upon your death; often used to clear debt on a family home and/or provide financial support for your family.

Talk to a Personal Insurance Consultant

The basics of Income Protection

Read the DPM Financial Services Guide for more information.

View DPM’s Continuing Professional Development Policy here.

* The information contained in this site is general and is not intended to serve as advice. DPM recommends you obtain advice concerning specific matters before making a decision.