Risk Cover


Even the most optimistic of us will agree that, inevitably, in life, something unforeseen happens that can knock even the most carefully thought-out plans off track. Being prepared means that you recognise this, and want to ensure the future of your family no matter what happens.

Taking out risk insurance gives you and your family a safety net when things do go wrong.

We strive to eliminate pitfalls through dependable advice and informed assessments in order to give you the right amount of cover to suit your age, income, lifestyle and family composition. The cover is then optimised to ensure all future needs are catered for.

Life Cover

A cash lump sum if you die or are diagnosed with terminal illness

You never know what life has in store, so you’ll want to know that your family is financially protected should something happen to you.

Life Cover can help provide financial protection (such as helping to pay off a mortgage) when your family might need it most. It can pay out a cash sum if you’re diagnosed with a terminal illness or you die during the term of the policy.

By partnering with a some of the best insurance companies in the world, Carrick ensures that you and your family have all the necessary financial help you need in order to deal with the possibility of an unexpected life-changing event.

With dependable advice and informed assessments, we provide you with the right amount of cover to suit your age, income, lifestyle and family composition.

Whether you want a simple option, a comprehensive option, or a customised risk solution, we can provide you with the right cover should the worst happen.

Significant benefits

  • Cash lump sum payout
  • Provides income for dependents
  • Pays funeral expenses
  • Creates an inheritance for your heirs
  • Pays estate taxes
  • Makes significant charitable contributions

Critical Illness

A cash lump sum

Advances in medical care mean that more people can now survive illnesses once thought to be fatal. Although many individuals lead relatively normal lives after suffering a critical illness event, they no longer enjoy the same mobility or good health.

Critical illness cover will pay out a cash lump sum if you are diagnosed with one of the specified medical conditions or injuries listed in the policy.

Examples of critical illnesses that are covered include:

  • Heart attack
  • Stroke
  • Certain types and stages of cancer
  • Eye and ear disorders
  • Conditions such as multiple sclerosis

How you use the cash lump sum pay out is entirely up to you. You can use it pay off a mortgage or clear outstanding debts. You can also use to help pay for childcare or home help.

Significant benefits

  • Cash lump sum payout
  • Reduces your financial burden
  • Maintains your independence
  • Assists in your recovery any way you choose

Income Protection

Helps you if you can’t work because you are ill

Your most valuable asset is your ability to earn an income during your working life. But, have you ever stopped to think about what would happen if you couldn't work because you were ill or disabled?

Your income enables you to maintain your lifestyle — from everyday expenses that cover the home you live in to providing for your family with food, healthcare and education.

Income Protection can also ensure that your retirement planning is not affected and that your emergency savings are not eroded.

Significant benefits

  • Replaces part of your income
  • Pays out until you can start working again
  • Covers most illnesses that leave you unable to work
  • You can claim as many times as you need to - while the policy lasts

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