What are the four types of personal insurance?

What are four types of personal insurance in Australia are life insurance, total permanent disability TPD, income protection and trauma insurance, covering death, permanent disability, illness and income loss $500K to $1M, costing $50 to $200 per month total. Four types of personal insurance, also called personal risk insurance, include life insurance $500K to $1M lump sum if you die or terminal illness 12 months, costing $30 to $80 per month for $500K to $1M cover for 30 to 40-year-old non-smoker via TAL, AIA, Zurich. TPD total permanent disability $500K to $1M lump sum if you permanently disabled and cannot work ever again, costing $20 to $50 per month for $500K cover. Income protection 75% of pre-tax income up to $10K to $20K per month if you cannot work due to illness or injury, costing $30 to $100 per month for $5K monthly benefit with 30 to 90 days waiting and benefit period 2 years to age 65. Trauma insurance $100K to $500K lump sum if diagnosed serious illness like cancer, heart attack, stroke, costing $30 to $80 per month for $200K cover. For example, 35-year-old $750K life $50 per month, $500K TPD $30, $5K income protection $60 and $200K trauma $50 total $190 per month for $1.45M cover. So four types are life $500K to $1M if you die, TPD $500K to $1M if permanently disabled, income protection 75% income up to $20K per month if sick, and trauma $100K to $500K if serious illness.