top of page

FINANCIAL PROTECTION

"It will never happen to me..…" 

You never know what life is going to throw at you, but one thing you do want to know is that you are covered in case of adversity. Because no two clients have exactly the same insurance needs, we offer a range of risk insurance products that can be tailored to suit your personal situation.

 

Give yourself and your family peace of mind by choosing an insurance product that pays a lump sum if you’re unable to ever work again due to illness, injury or death.

 

Having a financial safety net in the event of sickness, disability or death can help ensure you and your families are protected during a difficult time. There are three ‘lump sum’ life insurance options that could really make a difference: Life Cover; Total and Permanent Disablement; and Trauma cover.

 

You are able to select one or all covers independently outside of superannuation or obtain personal insurance cover through your superannuation (excluding Trauma Cover).

 

With Death, Total & Permanent Disability (TPD) and Trauma cover you can:

 

- Find comfort in knowing your family will receive a lump sum payment to help them financially if you were to die or become terminally ill;

 

- Receive financial support if you become seriously disabled, maintain your quality of life and help meet the cost of rehabilitation programs and daily living expenses with TPD insurance; and

 

- Take the financial pressure off and give yourself time to recover, should you experience one of the traumatic events listed in our trauma cover, including cancer, stroke, heart attack and coronary artery surgery. Children’s trauma cover can also be selected.

 

If you and your spouse are financially protected with adequate insurances should a traumatic event occur during your lifetime, what happens if this unfortunate event happens to one of your children? Child Trauma Cover provides this protection to children aged from 2 to 18 and is usually provides very affordable costs for peace of mind. The benefits of a child trauma cover is once the child reaches over age 18, the insurance cover will automatically revert to an adult trauma policy without any underwriting which gives you and your family further peace of mind.

PROTECT YOUR INCOME

How long would you be able to sustain your lifestyle, pay your bills or continue to fulfil your wealth creation or retirement goals if you didn’t have a regular income? Income Protection works by paying you a monthly benefit while you are too sick or injured to go to work.

 

You can receive a monthly benefit of up to 75% of your regular income, and tailor your insurance plan to your needs by choosing from the following:

  

Benefit period – you can choose how long your claim will be paid: 2 years, 5 years or until retirement age being 60, 65 or 70;

 

Waiting period – you can choose to wait from 14 days to 2 years until you start receiving your insured benefit amount; and Payment option – flexible payment options are available, including monthly direct debit or via your superannuation.

 

Business Insurance

 

If you were unable to run your business due to injury or illness, Business Overheads Insurance (also known as Business Expenses Insurance) will reimburse your eligible business’ overheads and help ensure the business’s bills are paid. This insurance is often taken out together with Income Protection. Other types of business insurances we offer include key person insurance or buy/sell insurance strategies (ideal in partnership arrangements).

bottom of page