Specific Injury Cover

Specific injury cover provides a lump sum payment for certain defined injuries.

This type of cover is often relevant for people working in trades, transport, construction, logistics, physically demanding industries, or active lifestyles where injury risks may be higher.

Broker vs insurer  
what’s the real difference?

Getting insured directly through a major insurer means your options are limited to a single provider — whether or not it’s the best fit for you

Access to more than one insurer

We work with a selected range of trusted providers, allowing us to compare options and find what genuinely suits your situation.

Advice tailored to your life

Your cover is structured around your income, responsibilities, and future plans — not a standard package.

Cover designed to work at claim time

The way your policy is structured matters. We focus on getting the details right so your protection performs when it’s needed.

Ongoing support as life changes

Your circumstances evolve over time. We regularly review your cover to ensure it continues to reflect your situation.

Support when you need to make a claim

If something happens, we guide you through the claims process and help ensure everything is handled properly from start to finish.

A long-term relationship, not a one-off transaction

We’re here to support you over time — not just when your policy is first set up.

Even temporary injuries can create major financial disruption

For some people, even a shorter-term injury can significantly affect income and financial stability.

With specific injury cover

Without specific injury cover

An injury interrupts normal life

Physical injury may affect your ability to work and earn normally.

Financial pressure begins building

Income disruption may affect household stability and commitments.

Savings may need to fill the gap

Savings may begin getting used to manage recovery periods.

Recovery becomes financially stressful

Financial pressure may add stress during physical rehabilitation.

Everyday responsibilities continue

Bills, rent, mortgage, and family costs still need to be managed.

A lump sum payment becomes available

Financial support may help reduce pressure during recovery.

Income disruption becomes more manageable

There is greater financial breathing space during time away from work.

Recovery can become the focus

There is less immediate pressure around financial survival.

Flexibility around rehabilitation increases

Support may help with recovery-related costs and lifestyle adjustments.

Financial stability is better maintained

Household commitments remain more manageable during recovery.

Frequently Asked Questions

Honest answers to help you understand life insurance before you make any decisions.

How much life insurance cover do I actually need?

It depends on your income, debts, and the people who rely on you. A general starting point is 10x your annual income, but the right amount varies based on your mortgage, family size, and long-term financial goals. We help you work this out properly.

What's the difference between life insurance and trauma cover?