How would your family cope if suddenly you could no longer work? Personal insurance is a necessity for most of us. The trick is to get the best-value policies...that's where TTS & Associates can help.

Australians suffer around 48,000 strokes each year — that's one every 11 minutes. Pretty scary, right? Equally scary is the fact that one in three men and one in four women will be diagnosed with cancer before they reach 75.

Most people don't think it will happen to them and don't arrange appropriate protection. The importance of personal insurance such as life and income protection insurance is underestimated, which is why under-insurance is such a big problem in Australia.

Life insurance

There are four main personal insurance types available — all important in their own way. There's life insurance, total and permanent disability (TPD), income protection and trauma insurance.

Total and Permanent Disability (TPD)

TPD cover is usually an optional extra on your life insurance policy. It pays you if you suffer some sort of injury that means you can't work again.

Trauma insurance

Trauma, or critical illness as it is often called, pays a lump sum if you are diagnosed with a specified disease or suffer some sort of trauma.

TTS & Associates will make sure you are covered.