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Personal Insurance

Insurance policies enhanced to provide better protection Our award-winning Accelerated Protection Policy (APP) and TOWER Protection Policy (TPP) are now even better with policy improvements effective from 17 November 2008. For existing clients, these changes apply to: APP policies issued under the Product Disclosure Statement (PDS) dated 1 July 2007 and; TPP policies issued under the PDSs dated 2 April 2007 or 30 April 2008.  For more information about the policy improvements refer to the APP Product Upgrade Booklet November 2008 or the TPP Product Upgrade Booklet November 2008. For new customers, the enhanced product applies to all policies issued under the PDS dated 17 November 2008. For more information refer to the Accelerated Protection Policy PDS November 2008 or the TOWER Protection Policy PDS November 2008.

We all need to safeguard our future interests. There's no point making an investment if you can't protect it. Personal insurance isn't about saving for disasters that you think will never happen. It's a question of protecting yourself, your family, your business and your financial stability against loss. It's just like any other type of insurance - only much more important. TOWER understands how difficult it seems to make the right choice for your financial security. That's why we've developed a range of products to suit your requirements and situation.

• Life insurance offers a cash lump sum payment if you die or are diagnosed with a terminal illness.
• Crisis insurance protects you against major illnesses and injuries.
• Income insurance offers you income replacement in the event of a disability resulting from an accident or sickness.
• Funeral Plan insurance offers your loved ones money to pay for your funeral. Apply here for instant funeral cover.

The information provided in this section can help you decide which plan will best satisfy your needs, how you would like to receive your benefit, and the type of situation you want to insure against. For more information, please contact your adviser. If you don't have an adviser, you can all us directly on 1800 226 364 or email our customer service centre.

Life Insurance provides a lump sum payment to the policy owner, or nominated beneficiary, on the death or total and permanent disablement (if selected) of the individual insured. The lump sum is nominated at the time of taking out the insurance and increases each year in line with inflation.

To make it easier for you to make decisions regarding this sensitive topic, TOWER has created a Life Insurance Calculator. Simply provide the information required in the fields and our Life Insurance Calculator will tell you whether you are adequately insured.