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Securing your financial future means expecting the best, and being prepared for the worst. If something unexpected happens, it’s important to make sure that you and your loved ones can continue to live the life you love. Part of managing your wealth is making sure that you’re protected if your regular income stops.

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• CHOOSING THE BEST

We can help you select top rated and affordable insurance options to make sure you’re covered in the most cost effective way possible. We can recommend insurance to cover circumstances ranging from loss of income due to illness or injury, to permanent disabilities and critical illness.

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• TAX EFFECTIVENESS

We structure your insurance package to maximise your tax concessions. We’ll make sure that your insurance package fits into your cash flow requirements.

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• CLAIMS ASSISTANCE

We offer a Claims Assistance Guarantee, which means if you need to make a claim on your policy we’ll assist you through the process free of charge, no matter how long it takes to conclude your claim.
 

Types Of Personal Insurance

Many people believe that personal insurance will only cover them in case of death. However, personal insurance covers you for a wide range of events that could impact your income – from a lengthy illness, to a permanent incapacity or injury. If you are running a business, insurance can cover an even wider range of circumstances.

Income protection insurance
Cover up to 75% of your monthly income if you can’t work because you are sick or injured. This monthly payment allows you to continue to meet your financial obligations, such as mortgage payments and school fees, while you recover.

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Total and permanent disablement insurance
Provides cover in the event that you are totally and permanently disabled. It is paid as a lump sum benefit, and can be used to eliminate mortgage debt, pay for medical expenses, or fund required lifestyle changes.

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Trauma insurance
Provides a lump sum payment if you are diagnosed with a specified serious illness or injury such as cancer, stroke, or heart attack. You can use this benefit to access quality medical treatment.

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Life insurance
Provides a lump sum payment upon your death, or the diagnosis of a terminal illness. This kind of insurance protects your family, ensuring they can continue to pay for living expenses and mortgage repayments should anything happen to you.

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Should your insurance be purchased inside or outside of your superannuation fund?
Depending on your circumstances, it may be advantageous for you to purchase insurance through your superannuation fund. We can advise as to whether this is the case, and what option offers the best protection for the most affordable cost.