There are many reasons why a person may choose a specific insurance policy. They may want to protect themselves in case they get injured, become sick or even pass away. Someone may buy insurance to cover their possessions. Company owners may want to protect themselves, employees and property while conducting business. No matter what the circumstances are, having insurance to protect what matters most to you can make life much easier, and less expensive.

Having insurance gives the policy owner peace of mind. It helps to know that they are protected if something happens to them.

Insurance is simply about transferring the risk of a financial disaster off you whilst you’re not in the position to be able to afford paying for it to an insurance company that has got the capacity to pay for that disaster.

This includes transferring the risk of a financial disaster occurring like suffering a major illness or accident and not being able to work and pay your current expenses like a mortgage, business overheads, school fees, providing food for your family, or the death of a major financial family contributor {working spouse, caregiver or business partner} to ensure that life will continue.

The death or major illness of a family member is emotionally and financially devastating and that’s why transferring that financial risk to an insurance company that can afford to eliminate the financial burden is a major priority for all families and business owners.

We all hope that insurance premiums end up being a waste of money (in other words there was never a reason to make a claim) but if not, having the peace of mind in knowing that your family is protected is what matters most.

Life Insurance

Life Insurance pays a lump sum to your family when you pass away. The proceeds can be used to clear debt, pay off the mortgage, pay for children’s education or otherwise secure your family’s financial future.

Life insurance can be funded through your superannuation fund, or from your regular salary. This has implications for both cash flow and taxation (of premiums and pay-outs) and we help you decide which is right for you.

Total & Permanent Disability (TPD) Insurance

TPD cover pays an agreed amount if you are unable to work ever again, due to an accident, injury or illness. You normally have to survive such a catastrophe for six months before the insurer will make payment.

We help you understand and decide on important details, such as how being unable to work is defined and the tax treatment of premiums payments and pay-outs so you can structure your cover exactly the way you want it.

The value of this type of cover is to clear debts and the mortgage, make structural changes to your home if your condition requires it, or fund ongoing medical treatment and respite care to make your changed circumstances as comfortable as possible.

Trauma Insurance

Trauma or critical illness, Insurance pays a lump sum on diagnosis of a serious illness. The illness must be one of the ones specified in your policy and the top conditions covered include cancer, heart attack and stroke.

Trauma cover has transformed the recovery experience of many of our clients. This becomes possible by removing financial stress so that you can concentrate on getting better as quickly as possible. It can also have the potential to fund treatment options that you wouldn’t otherwise be able to afford (for example, new treatments for cancer in the USA).

Income Protection Insurance

Income Protection, Insurance pays up to 75% of your salary if you cannot work for a prolonged period, due to accident or illness. Your future earnings may well add up to more than the value of your current home, so protecting that future income is important for your ongoing financial health and plans for the future.

We help you understand and decide on important details, such as Waiting Periods, how long benefits can be paid for, whether superannuation should be included in claim payments and other policy terms.

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