Our Services

Winestone & Associates specialise in risk insurance, offering up-to-date advice on a diverse range of insurance for businesses, families and individuals.

As an insurance adviser we place your interests front and centre, recommending the most suitable products and appropriate level of cover for your individual needs. We ensure you are protected should the worst happen.

Types of insurance we can provide advice on:-

Income Protection

Income Protection replaces your lost income with a monthly benefit should sickness or injury prevent you from working. This cover offers financial peace of mind for individuals whose situation depends on their regular income.

Trauma Insurance

Trauma cover provides you with a lump sum payment if a specified medical condition or event occurs, whether or not you are prevented from working. The money can be used however you choose: medical expenses, debt reduction, or as income replacement allowing you to spend more time with your family.

Life Insurance

Life Insurance provides clients’ families with a lump sum payment in the event of their death or diagnosis of a terminal illness. It protects your family from more hardship during this emotionally draining and difficult time.

Total & Permanent Disability Insurance

Total & Permanent Disability Cover pays a lump sum if you suffer an illness or injury that prevents you from ever working again.

Buy/Sell Business Insurance

What if your business partner left due to premature death, disablement or a traumatic illness? Buy/Sell insurance forms part of a ‘Business Will’ and ensures continuity for small and medium sized businesses should tragedy strike. Buy/Sell Insurance is the most cost effective method of funding the consideration for the transfer of an asset from one person, or entity, to another.

Keyperson Insurance

No matter how large or small your business is, losing a Partner or Key Employee can have significant impact on a company’s revenue and profits. Keyperson Insurance provides a cash injection to offset this impact or cover any debt obligations in the event of death, disablement or a traumatic illness of the covered individual.

Consult with Morris to find out what type of protection is right for you.