Personal Insurance

Need some peace of mind?

Providing peace of mind for yourself and your family, Centenary Accounting simplify the process of organising the appropriate insurance cover, ensuring you are protected against any unforeseen loss. We will work with you to first understand your unique needs, and then to deliver to these needs with appropriate and economical cover.

Our range of personal insurance covers include the following.


Life insurance will provide your loved ones with financial security when you no longer can; whether that be through settling debts, outstanding loans or other financial costs.

Total and Permanent Disability

Total and permanent disability is defined as either:

  • You aren’t able to work again in any occupation, or
  • You aren’t able to work in your usual occupation

If a serious injury or illness makes it difficult or impossible for your to continue working, you will need to find a way to support yourself and your family. Total and permanent disability insurance will help to cover the costs of rehabilitation, debt repayments and the future cost of living and you and your family.


If you are diagnosed with a specified illness such as; cancer, heart attack or stroke and need to take time off work, trauma insurance will help ease the financial pressures of not working by giving you a lump sum payment.

Income Protection

In the event of an accident, illness or major trauma that prevents you from going back to work, income protection will pay you a monthly benefit of up to 75% of your standard income. This payment will continue until you return to work, or if returning isn’t possible, then up until retirement age of 65.

Business Expenses

Business expenses insurance provides a financial back up plan for your business, providing you with reassurance that there is a plan in place to keep the business running if you are no longer able to work. This insurance will cover your fixed business costs as a monthly reimbursement, allowing you to focus on your recovery, not your bills.

Buy-Sell Agreements

A buy-sell life insurance agreement consists of a transfer and funding agreement between business partners. The purpose of this agreement is to enable the transfer of the departing owner’s interest or share in the business to another owner in the case of death, permanent disability or a traumatic medical event.

Did you know you can have your superannuation fund pay for some of your insurance needs?

Contact us today and we can talk you through the options available – saving you time, money and unnecessary worry.