---
title: "severity based insurance Crisis and Trauma Recovery Insurance - Sapience Financial"
description: "Life Insurance Advice and  Modern Estate Planning Services for Australian Small Business Owners, Partnerships & their Families"
url: "https://sapience.com.au/life-insurance/crisis-and-trauma-recovery-insurance"
date: "2026-06-25T03:36:04+00:00"
language: "en-GB"
---

#  severity based insurance Crisis and Trauma Recovery Insurance

 | [Title](# "Select to sort by this column") |

|---|
| [ New Severity Based Insurance ](https://sapience.com.au/blog/new-severity-based-insurance) |
| [ Prostate cancer surgery and its disturbing new link to business risk ](https://sapience.com.au/blog/prostate-cancer-surgery-and-its-new-link-to-business-risk) |
| [ Severity Based Insurance ](https://sapience.com.au/services/for-life/severity-based-insurance) |
| [ The Average Lifetime Cost of Care for the Top Five Major Health Conditions ](https://sapience.com.au/blog/the-average-lifetime-cost-of-care-for-the-top-five-major-health-conditions) |
| [ What are the possible outcomes for a life insurance application? ](https://sapience.com.au/videos/risks-education-videos/what-are-the-possible-outcomes-for-a-life-insurance-application) |
| [ What is the chance of needing to claim on a life insurance policy? ](https://sapience.com.au/videos/risks-education-videos/what-is-the-chance-of-needing-to-claim-on-a-life-insurance-policy) |
| [ When should people use a life insurance policy? ](https://sapience.com.au/videos/risks-education-videos/when-should-people-use-a-life-insurance-policy) |
| [ Who can make decisions for you when you're living with Dementia or a brain injury? ](https://sapience.com.au/blog/who-can-make-decisions-for-you-when-you-are-living-with-dementia-or-a-brain-injury) |

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