We all like to think that we are "bullet proof" but the truth is we do get sick, we do have accidents and we do get older.

At PIC our job is to get YOU thinking about what would happen to your partner, your children, your business and your lifestyle if you had an accident or became sick... or worse, were to die. What we do is provide solutions to these problems.

Throughout our lives we may face several relatively minor medical emergencies from which we will fully recover. But at some stage we cross over the line and experience illness or disability from which we may not fully recover. However, we can predict and plan for this eventuality, so that we can still enjoy the best quality of life possible.

The four key risks we all face are....

• Too sick or injured to work;
• Critical illness or major trauma;
• Permanent disability;
• Terminal illness and death.

"It is a strange anomaly that people will insure their homes, their merchandise, and yet neglect to insure their lives, surely the most important of all to their families, and more subject to loss."

Benjamin Franklin (1706 - 1790)