Insurance

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If you need to go to work to maintain your lifestyle chances are you need Personal Insurance!

Insurance is the solution to the ‘risk problem’ that faces all of us. The problem is we just don’t know what is gowning to happen to us tomorrow, it's that simple. Adequate cover is an essential safeguard to ensure you and your dependents maintain and achieve overall financial security no matter what happens to you. Your home and financial security are serious things that should not be left to chance, when they can be given to an insurance company to worry about for a premium.

Lets face it the statistics are against us having an accident or illness during our working lives. Appropriate insurance planning ensures that you can still maintain your investment portfolio, debt, mortgage, children or anyone else who is financially dependent upon you, financial obligations and living costs that can only be met by your income, and therefore our ability to work.

Get cover early as once you establish a Life Insurance contract it is Non cancellable so cannot be taken from you. That’s why its important not to put the decision to insure yourself off as if you are fit and healthy now that’s the time you will get the best value for money contract. If your health deteriorates the insurance company can load your premium or deny you cover at all.

As part of risk only advice or a comprehensive financial plan we will assess your needs and make a recommendation on the types of insurance you need, the appropriate levels of cover, then recommend the most suitable insurer for your situation. We complete the application forms with you, send them to underwriting, monitor the process and follow the policy through to completion. In coming up with our recommendation we use independent risk quotation software from Cannex who research, analyse and rate more than 20,000 consumer finance products available in Australia http://www.cannex.com.au/, a leader that analyses all the companies on the marketplace. We review your cover annually to ensure your policy is still suitable for you and that you are getting the best value for money.

Trigger points for insurance review

  • Upon marriage or divorce
  • Purchase of a home or investment property
  • Debt levels change
  • Starting or growing your family
  • Anyone with extended families from multiple marriages
  • Change of job or level of income
  • Entering a tradesperson career
  • Starting or selling your own business
  • Borrowing to invest or as your savings and investments grow

LIFE

Term life insurance pays the insured a lump sum in the event of your death and in some cases upon diagnosis of a terminal illness of the life insured. When taking out Life/Death Cover you may decide on an amount to pay off your debts and provide your spouse with an income to continue living and provide for your children’s education

TPD

Total and permanent disability cover provides a lump sum payment if the insured person becomes disabled to the point where you are unable to work again. This cover can help pay for medical expenses, repay major debts, provide for changes needed to your home and provide for your future.

Income Protection (IP)

Income protection / continuation insurance will provide you with a monthly benefit of up to 87% of your monthly income while you are too sick or injured to go to work. This type of insurance is designed to help continue paying the mortgage, child’s school fees, phone , utilities, run your car, buy food and clothes, basically all your day to day living expenses.

Trauma

Trauma cover provides a lump sum payment if you are diagnosed with a specified ‘trauma’ condition. It helps cover medical costs and your living expenses, providing you some financial security during the important recovery process. Trauma insurance will give you cover against major illness such as certain cancers, strokes, heart attacks etc.

Aplastic Anaemia, Benign Intracranial Tumour, blindness, Cancer, Cardiomyopathy, Chronic Lung Disease, Coma, Coronary Artery ByPass Surgery, Coronary Artery Disease, Deafness, Dementia, Diabetes, Encephalitis, Heart Attack, Heart Surgery, Intensive Care, Liver Disease, Loss of Independent Existence, Loss of Limbs and/or Sight, Loss of Speech, Major Burns, Major Head Trauma, Major Organ Transplant, Medically Acquired HIV Infection, Meningitis and/or Meningococcal, Disease, Motor Neurone Disease, Multiple Sclerosis, Muscular Dystrophy, Occupationally Acquired HIV Infection, Open Heart Surgery, Out of Hospital Cardiac Arrest, Paralysis, Parkinson’s Disease, Pneumonectomy, Primary Pulmonary Hypertension, Renal Failure, Stroke.

Some of these events may not be covered by your particular policy, please refer to the PDS provided!

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