Business protection.

Business protection.

Your business customers have unique needs so we’ve developed protection specifically for them.

Adviser Use Only

Why customers love it

Why your customers will love it

The expenses don’t stop

If your customer’s disabled and can’t work a payout can make a big difference to keeping the business ticking over.

Take care of business

Give your customers peace of mind that there’s a safeguard in place to protect the business against unexpected loss.

Why they need it

Maintain business cashflow

If a key person who influences revenue is away from the business due to serious illness or injury, would the business have enough cash to replace lost business income?

Protect against the loss of key people

Most businesses protect their assets against fire, theft and other damage. So why not extend the same care to its most valuable assets – its people?

Our business protection includes:

We also offer protection especially designed for rural businesses:

Location 3 4523 Rt RGB Lores

Key person cover

Key person cover contributes up to $30,000 per month towards replacing a key member of staff for one or two years, if that person’s unable to work due to sickness or injury. A payout helps keep things running smoothly until the key person gets back on board and can be used in any way the business needs it.

If your customer has been self-employed for less than three years they can apply for key person cover as a new to business cover with a reduced benefit level and a one year benefit period.

Available in Platinum Plus

For a summary of our Key person cover

Download the customer brochure.

For all the details for our Key person cover

Download the policy wording

Location 3 2439 Rt RGB Lores

Business expenses cover

With business expenses cover your customers can keep their business running if they suffer illness or injury. Whether they’re a sole trader, small business owner or in a partnership, they can claim the costs of running their business if they’re unable to work due to illness or injury over a two-year period.

Available in Platinum Plus

For a summary of our Business expenses cover

Download the customer brochure.

For all the details for our Business expenses cover

Download the policy wording.

Location 3 9109 Rt RGB Lores

Rural key person cover

Farming businesses are particularly vulnerable in the event of a loss of a key worker due to sickness or injury. Rural key person cover will pay a monthly income, allowing your customer to replace that person and keep the farm ticking over. This policy provides a replacement income of up to 35% of pre-disability earnings, or 35% of gross farm turnover, up to a maximum of $10,000 per month.

Available in Platinum Plus and Platinum Plus Level Term

For a summary of our Rural key person cover

Download the customer brochure.

For all the details, download the policy wordings:

Platinum Plus, Platinum Plus Level Term

Location 3 8808 Rt RGB Lores

Key person cover for farmers

This cover’s especially designed for new or young farm owners, managers, sharemilkers and contract milkers. It helps cover the cost of a replacement for up to a year if disability or illness strikes the farmer or a key employee. To apply, farmers only need 12 months’ experience and must meet other revenue and ownership criteria.

Available in Platinum Plus

For a summary of our Key person cover for farmers

Download the customer brochure.

For all the details, download the policy wordings:

Download the policy wording.

Available with business cover:

These are a selection of the covers and options available and require payment of an additional premium – for full details please read the customer brochure.

  • Waiver of premium cover

    If your customer is totally disabled, or they are receiving a partial disability benefit under an income protection type cover on the same policy, the premiums due on the entire policy after the waiting period ends will be waived. While your customer needs to pay premiums during the waiting period, any premiums paid during that period will be refunded.

    For the details, download the policy wording

    Platinum Plus, Platinum Plus Level, Mortgage Protector

Related covers

  • Life cover

    Life cover provides a lump sum payment to help with ongoing business expenses and allows the time required to make good decisions about the future.

    Go to the Life cover page for more information on Life assurance cover.

  • Survivor’s income cover

    A business might have a need for cash flow should one of its key people or shareholders die, suffer a trauma, or become totally and permanently disabled.  Survivor’s income cover can provide a benefit for a minimum of 2 years to help the business through this time.

    Go to the Life cover page for more information on Survivor's income cover.

  • Total and permanent disability cover

    Your customer’s business could be put at risk if they or a key team member became totally and permanently disabled and unable to work for the rest of their life. Total and permanent disability (TPD) cover lessens this impact by paying a lump sum payment to help meet any on-going obligations and better plan for the future of their business.

    Go to the TPD cover page for more information.

  • Trauma cover

    Trauma cover makes sure your customer’s business is supported financially with a lump sum payment if they or a key team member are diagnosed with a covered serious medical condition.

    Go to the Trauma cover page for more information.

  • Group protection for employees

    Providing insurance protection for employees will give them confidence in their financial future should something happen to affect their ability to work.

    Group cover can provide cover for life insurance, total and permanent disablement, trauma and income protection for eligible employees on a single premium basis. In many cases cover will be granted without any evidence of health for eligible employees up to an automatic acceptance limit.

    Go to the Group cover page for more information on Group protection for employees.

Frequently Asked Questions

We’ve compiled a list of the most commonly asked questions about this cover. For the full run down though, it’s really important you read the customer brochure.

See FAQs

Need more info?

Contact your Business Manager or call us on 0800 88 22 88 - we’re here to help.

 

Disclaimers:
Customers - The materials on this website are intended for financial adviser use only and are not intended for customer use. A financial adviser can assess your life insurance needs and make recommendations that are suitable for your personal circumstances. If you do not have a financial adviser, please contact Fidelity Life on 0800 88 22 88 and we will put you in contact with one.
Advisers - The information contained in this webpage is a convenient summary of the key points of this insurance policy and is general in nature. It is not, and is not intended to be, a policy document. Details of definitions, benefits, standard exclusions/limitations, terms and conditions are contained in the full policy documentation which is available from your Business Manager or Business Account Manager. Please refer to current policy wordings for specific details. This webpage does not provide a personalised financial advice service.