#  What types of insurances are covered by the umbrella term ‘life insurances’ in Australia?

### What types of insurances are covered by the term ‘life insurances’ in Australia?

The phrase ‘Life Insurances’ is an *umbrella term covering 4 main types* of personal insurance policies, each designed to protect against a specific known risk to a person.

- **Life insurance** - protecting against unexpected death or terminal illness
- **Crisis Recovery Insurance** - protecting against a list of known serious medical issues like Heart Attack, Cancer and Stroke etc.
- **Income Protection** - protecting a person’s ability to continue to earn their income
- **Total & Permanent Disability** (TPD) - protecting against a long term disability