How would your business be affected if you, or a key employee, were unable to work?

Ability can arrange business insurance that provides protection against loss of revenue, profits, and capital value stemming from the trauma, illness or death of a key individual. This insurance generally covers the life of an employee, partner or shareholder who has knowledge and experience considered unique and invaluable.

Protect your business with the help of the Ability adviser network today.

A loan for a new boat or caravan.

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Protecting your lifestyle from the unexpected.

Personal insurance strategies protect you and your loved ones for a variety of reasons including loss of income, covering mortgage repayments, repayment of debts, medical bills and rehabilitation costs, helping you get back on your feet faster. Few individuals have the same requirements as the level of cover you require is dependent on a number of factors, such as whether you:

• are you single, married or de facto
• have a mortgage
• have a family
• have received an inheritance
• have sold a property or business
• are self-employed

An Ability associated Financial Adviser can work with you to evaluate the options available and find a solution that is suited to your personal circumstances. Ensure you and your loved ones are protected with help from a Financial Adviser from the Ability network today.

Life Insurance

Protecting your family and lifestyle following the loss of your primary income. Life insurance pays a lump sum in the event of your death, protecting loved ones from the often-overlooked effects of passing away. This cover can be used to cover mortgage repayments, outstanding debts and other costs / commitments incurred prior to the loss of a primary income. Most policies have a terminal illness benefit that offers advance payment of the primary death benefits following the diagnosis of a terminal illness, where death is likely to occur within twelve months. The level of cover required is influenced by a number of factors including savings, debts and lifestyle. An Ability associated Financial Adviser will work with you to evaluate the amount you would need to pay out based on your liabilities while providing for the future expenses of loved ones. Protect your family’s future with the help of a Financial Adviser from our extensive network today.

Total & Permanent Disability

Protect your loved ones if you’re no longer able to work. Total and Permanent Disability Cover (TPD) pays a lump sum in the event of an accident resulting in total and permanent disability. The costs associated with such disability often include medical bills, rehabilitation and specialised lifestyle support. This cover provides protection against the effects of disability, helping you to get your life back on track following an accident. This form of protection can help to alleviate the strain often associated with serious disability. Protect your future with the help of a Financial Adviser from the Ability network today.

Trauma Protection

Protecting you and your loved ones in the case of major illness. Trauma cover pays a lump sum in the event, or diagnosis, of an illness specified in the policy, e.g. heart attack, stroke, multiple sclerosis, loss of sight/speech/hearing, cancer, major head trauma, severe diabetes, paraplegia etc. This cover provides for you when you need it most, easing the financial burden of being unable work for a period of time. Protect your family’s future with the help of a Financial Adviser from our extensive network today.r you’re thinking about a new caravan for a family holiday, or upgrading your boat for the next fishing trip, we have the finance option to make that dream a reality. Loans are available to purchase both new and used goods, and as a secured loan with a fixed rate, they’re a cheaper option than a personal loan and help you manage a budget more effectively.

A loan for a new car, truck or motorbike.

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Our General Insurance Products

At Ability , our aim is to help protect you and the things you value from the financial impact of risks, big and small - from fire, flood, storm and earthquake, to theft, and car accidents - and even from the costs of legal action against them. Our General Insurance products include: Home and Contents (including for home owners, renters and landlords), Motor Vehicle, Business, Public and Products Liability, and Travel Insurance.

General Insurance provided by Ability Insurance Pty Ltd | ABN 59 622 582 236 | Authorised Representative of Ausure Pty Ltd ABN | 94 096 971 854 | AFSL 238433

o finance for a new or used motor vehicle, allowing you to drive away while spreading your repayments over a period of time. This type of loan is not restricted to cars – it can also be used to purchase a boat, caravan, truck or motorbike. Because your vehicle is used as security, car loans are typically offered at a lower rate than a personal loan, and with the interest fixed for the term of the loan, it’s easier to manage your budget.

Ability Simplicity Health Brand

Ability has partnered with St.LukesHealth to offer health insurance through the Ability Simplicity Health brand, with great features and benefits, and a special offers.

St.LukesHealth have over 70 years’ experience in the Health industry and provides Ability members with a quality co-branded health insurance product. Members are supported by a dedicated Ability Simplicity Health team.