While we often focus on accumulating wealth and building assets, protecting our life and income is equally important. Imagine what would happen if, due to illness or injury, you were suddenly unable to work. How would the daily living expenses, mortgage repayments, and other financial obligations be covered?
The reality is that most people can’t save the required funds to self-insure. This is where insurance becomes a crucial part of your financial plan.
Our personal insurance advice covers the following:
Life insurance is a form of insurance that pays a lump sum payment to the beneficiary upon passing. It’s designed to safeguard your family in case the worst occurs.
Total and permanent disability insurance (TPD) pays a lump sum if you become totally and permanently disabled because of illness or injury and cannot return to work.
Trauma cover pays a lump sum if you suffer a critical illness or serious injury. The conditions vary but typically include heart attack, stroke and cancer.
Income Protection pays a percentage of your pre-disability income if you are unable to work due to illness or injury.
We start by asking the right questions to understand the level of protection you need. By gaining insight into your situation, we use our in-depth knowledge of the insurance market to find the right cover for you and your family.
We help you find cover that is both cost-effective and structured to maximise tax benefits.
In the event of a claim we provide support and guidance throughout the claims process, helping you navigate it smoothly to ensure you receive the benefits you’re entitled to.
