Stories and facts

We don't need to be reminded that accidents and serious illness happen. We all know people who have had to take a significant time off work due to illness or injury.

But it's important to remember how business expenses insurance can help you and your family during that time. It gives you options and financial freedom when you need it most.

We're generally pretty healthy - and not away from work for long

The good news is that people that take time out of work due to illness or injury, 25% of these people were back at work in six months. For business owners though, six months is a long time to take out of your business!12

Note: Payment of any claim by the insurer is subject to the insurer's assessment and approval in accordance with the terms of the relevant policy.

Learn more about Asteron Life and claims

Not all insurance policies are created equal

When you're looking at getting business expenses cover, keep your eyes out for extras that provide you with more benefits at claim time, such as:

  • the ability to be able to work for a few hours per week (if you can) without having your benefit payment reduced
  • a policy that pays your full benefit - and doesn't offset the business' profits.

To find out more about business expenses insurance:

12Labour Force experience Australian Bureau of Statistics Cat 6206 February 2009

This is general advice and does not take into account your objectives, financial situation or needs. Before acting on this general advice you should consider the Product Disclosure Statement and the appropriateness of the advice having regard to your situation and consult your financial adviser.

Which cover is right for me?

It is important to get your Business Expenses Insurance right. This is why our products are only sold through experienced advisers who can help you get the protection you need.

Talk to an adviser Discover how an adviser can help you

Asteron Life™ is committed to providing customers with long term financial security. We provide life insurance products including Income Protection Covers, Trauma Cover, Total & Permanent Disablement (TPD) Cover, Life Cover and Business Expenses Cover. To obtain a copy of our privacy statement, please contact us on 1800 221 727 or visit the following website www.asteronlife.com.au/privacy to view or download the policy.

Asteron supports and adheres to the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry through the Financial Services Council to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities. Download the Code here. For more information contact the Financial Services Council on (02) 9299 3022 (local call cost), email info@fsc.org.au or visit www.fsc.org.au

© Asteron Life & Superannuation Ltd ABN 87 073 979 530 (Asteron). Registered Office, Level 16, 363 George Street, Sydney NSW 2000

Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). Suncorp Portfolio Services Limited ABN 61 063 427 958, AFSL 237905, RSE Licence No L0002059 (SPSL or Trustee) is part of the Suncorp group of companies (Suncorp). SPSL is a related body corporate of Suncorp Group Limited ABN 66 145 290 124 and Suncorp-Metway Limited ABN 66 010 831 722 (Suncorp Bank) (Suncorp). This product is not a bank deposit or other bank liability of the Suncorp Bank. The obligations of the different entities of TAL and Suncorp are not guaranteed by other entities