Insurance

Insurance

Sadly, and more often we are hearing of people losing their battle to cancer or a serious illness at a young age and the rate of serious illness is on the increase.  Finding the time to get yourself insured and shopping around for the best deal is time consuming and many of our clients put this on the backburner until we step in and help.  We can find the best cover for you based on your personal situation and provide advice around ownership of the policies either inside or outside of superannuation.

We can help quote and implement the following insurances for our clients:

  • Life Insurance – a lump sum paid out should you pass away or become terminally ill. This cover can be held through your superannuation fund or outside of superannuation.  We can advise on what levels of cover you need and how to structure your Life Insurance.
  • Total & Permanent Disability Insurance (TPD) – a lump sum paid out should you become Totally & Permanently Disabled. This cover can be held through your superannuation fund or outside of superannuation.  We can advise on what levels of cover you need and how to structure your TPD Insurance.
  • Critical Illness Cover – a lump sum pay out should you suffer a serious illness such as Cancer, Heart Attack, Stroke etc. This cover cannot be held through superannuation.
  • Child Critical Illness Cover – a lump sum pay out should your child suffer a serious illness such as Cancer, Heart Attack, Stroke etc. This cover cannot be held through superannuation.
  • Income Protection Insurance– this cover replaces income lost (usually up to 75% of your employment income) due to accident or illness. Waiting period vary (how long you wait before your income is replaced) as does the benefit period.  This cover can be taken out through your superannuation fund or individually owned.  Let us help, find the cover that is right for you.
  • Business Expenses Insurance (for self-employed clients) – this cover helps keep your business going by reimbursing your fixed business expenses if you are unable to work due to an accident or illness.

We deal with several different insurance companies and can look around and find the right Insurance cover for you.

Contact us on 02 6033  2077 to ensure you have the right cover.