Life Insurance

Receive a lump sum in the event o f death or diagnosis of a Terminal illness.

 TPD Insurance

Recieve a lump sum for a Total and Permanent Disability.

Critical Illness Insurance

Receive a lump sum if diagnosed with one of up to 40 specified medical conditions.

 Income Protection

Receive a monthly benefit of up to 75% of your income with some added benefits.

Why Have Insurance ?

Insurance is an essential part of every financial plan, providing financial protection for you and your family against illness, injury and even death.

Have you ever thought about what would happen if you were unable to work due to sickness or injury?

Could you afford to pay your bills?

If the answer is no, then perhaps you should consider including insurance in your financial strategy. For a very small amount, usually less than the cost of car insurance, you can protect yourself and your family from an uncertain future.

Did you know that you can insure your income?

Your most important asset is your ability to earn an income, so why not protect it?

Should the unforseen happen, and your unprotected, your putting yourself and your family at risk.

To find out more about how to protect your wealth contact us and we will help you work out the most suitable Insurance cover for your needs.

Life Insurance

Recieve a lump sum in the event of death or diagnosis of a Terminal illness

What is Life Insurance ?

Life Insurance pays your family or estate a lump sum amount when you die or are diagnosed with a Terminal Illness.

Benefits of Having it

Your family can use this amount to pay off your mortgage cover ongoing living expenses or invest it to pay for future expenses like your children’s education.

How Life Insurance Works

Darren a 45 year old builder, was diagnosed with heart disease after experiencing some chest pains and was give less than 12 months to live.

Under his life insurance policy, he recieved a payment of $1,000,000, some of which he used to pay off his mortgage, add to his wife’s super fund and take a final trip overseas to visit his parents.

Darren also used it to pay for all his medical bills so his wife would’nt have anything outstanding when he died.

Total and Permanent Disability Insurance (TPD)

Receive a lump sum for a Total and Permanent Disability.

What is Total & Permanent Disability Insurance (TPD) ?

TPD insurance gives you a tax-free lump sum if you’re permanently unable to work due to accident or illness.

Benefits of Having it

As you’re not able to work again, you can choose to use it as you wish. You can pay off debts and/or invest it to generate regular income.

How Total & Permanent Disability Insurance Works

Brian a 36 year old executive, suffered a stroke at work. Under his TPD cover he recieved $750,000 which he used to pay off his mortgage and modify his home. He also invested some and used the income to cover his living expenses and pay for his ongoing rehabilitation.

Critical Illness Insurance

Recieve a lump sum if diagnosed with one of up to 40 specified medical conditions.

What is Critical Illness Insurance ?

Critical illness insurance pays you an agreed amount if you are diagnosed with a specified critical illness event, such as cancer or heart disease.

Benefits of Having it

It’s designed so that you can stop work and concentrate on getting better. You can use this money to pay down debt and cover living expenses, along with your medical costs and any modifications needed to your home (such as rails or wheelchair access).

How Critical Illness Insurance Works

Louise a 54 year old bookkeeper, found she had thyroid cancer after her doctor ran some tests for some pain and swelling in her neck.

Under her Critical illness cover, Louise received $450,000 which she used to pay off the last part of her mortgage, all her surgery bills and a short holiday to recuperate before going back to work.

Income Protection

Receive a monthly benefit of up to 75% of your income with some added benefits.

What is Income Protection ?

Income protection pays you up to 75% of your income if an illness, injury or accident prevents you from working.

Benefits of Having it

It’s designed to replace your income, so that you can use it to pay your rent, mortgage, groceries, utility bills and children’s school fees etc.

How Income Protection Works

Margaret a 40 year old medical specialist, seriously fractured her foot while bush walking with her family.

As she couldn’t work for several months, her income Protection policy paid her $7,500 each month, which she used to cover her ongoing expenses (like her mortgage and bills) along with paying for her surgery and regular visits to the physiotherapist.

Should you require a review of your insurance needs, please contact us and we will arrange for a discussion with a specialist consultant

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