Our financial advisor can help you:
- Establish the type of cover and insurance products that best meets your needs
- Determine the amount of insurance cover
- Help you choose between the many different insurance policy options such as: the waiting period, stepped or level premiums and the benefit period
- Help you decide whether to include your insurance inside or outside of superannuation.
Would you be able to cope financially if your Family’s primary income earner become injured, sick or passed away?
How long could you live off your savings?
We often insure our homes and our cars but neglect to insure our most important asset, ourselves.
An important part of a good financial plan is wealth protection. If you have a family, mortgage or other debts it is important you have risk insurance in place to protect those most important to you.
There are many different types of personal insurance, as detailed below:
Life Insurance (also known as Death Insurance) pays a lump sum payment to your nominated beneficiaries when you pass away.
Total & Permanent Disability Insurance (TPD)
Total & Permanent Disability Insurance (TPD) pays out a lump sum payment if you become permanently disabled. The funds can be used to pay for living costs and potential costs such as improvements to your home and increased medical costs.
Trauma Insurance or critical illness cover is paid if you suffer a specific defined event such as a heart attack or stroke. These funds are used to help with rehabilitation costs and replace your income while you recover.
Income Protection replaces the income lost as a result of sickness or injury. The maximum amount payable is usually 75% of your salary.
To request a no cost, no obligation appointment with one of our experienced financial planners, please give us a call (03) 6344 3899 or complete the contact form below: