Services
Cylist Insurance Australia is owned and operated by Holmes Wealth Protection Pty Ltd.
Holmes Wealth Protection Pty Ltd ABN 59 712 426 129, trading as Holmes Wealth Protection and Cyclist Insurance Australia, along with Ryan Holmes, specialise in the area of Personal Wealth Protection.
Life is full of uncertainty and often the unexpected can occur. The death, injury or illness of a loved one can place an enormous strain on a family both emotionally and financially. Have you considered how your family would cope financially, if something were to happen to you?
Having a financial safety net in the event of sickness, disability or death can help ensure you and your family are protected during a difficult time.
Income Protection Insurance
You insure your car, the family home and even your health – so why not your ability to earn an income.
Have you ever thought about what would happen if you became ill or were injured and couldn’t work for an extended period of time? Would you be able to meet your financial commitments without your regular income? If not, it’s time you considered income protection.
When you think about what life would be like without your regular income, your earning capacity becomes possibly your greatest asset. Chances are, you’ve based the achievement of your goals and ambitions on having a regular cash flow. If you became ill and were unable to work and maintain that cash flow, your goals may no longer be achievable.
Life Insurance
Life Insurance may be important for people of all ages, especially if you have others relying on you and large debts such as a mortgage.
Life Insurance provides a lump sum to your beneficiaries if you die. This can be used to help meet the costs of your mortgage, other debts and/or cover your family’s future expenses. Many policies make an advance payment of the insured sum if you are diagnosed with a terminal illness.
Total and Permanent Disablement (TPD) Insurance
TPD cover provides a lump sum if you become unable to work due to a permanent disability. This cover can help you pay for medical expenses, repay major debts and help provide for your future.
Trauma Insurance
Trauma cover provides a lump sum if you’re diagnosed with a medical condition or undergo a procedure outlined in your policy. This may include a heart attack, major organ transplant, cancer or stroke — to name a few.
Trauma cover is designed to help cover your medical costs and living expenses, providing you with some financial security during the important recovery period.
Business Overheads Insurance
What would happen to your business if you were too ill or injured to work?
Business Overheads Insurance helps you meet your ongoing business expenses by reimbursing eligible business overheads as a monthly amount if you are too ill or injured to work.
Protect your business expenses
Recover with peace of mind knowing that, if you are unable to work due to injury or illness, your business overheads insurance will reimburse your business expenses such as:
- Rent
- Property Rates
- Vehicle leases
- Salaries