OUR INSURANCE ADVICE OFFER
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We are passionate about educating and encouraging our clients to take out the neccessary insurance needed for their very own peace of mind.
Key Points for looking at your personal insurances.
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Education, De-mystify insurance, value of insurance
Personal Skills, Clarity, Empathy, Relationship with your needs
Convenience, Advise, Implement, Manage
Suitability, Right cover for your needs
Estate Planning, Right money, right people, right time, advice across generations
Structure, Taxation, cash flow, packaging
Specialisation, Niche market specialist, client subsets,
Reviews, Cover appropriateness, policy features, changing needs
Underwriting, Relationships with providers, better outcomes, manage process.
Claims, Clarity and guidance when needed the most, advocacy
LIFE COVER
It’s a difficult conversation to have but talking about life insurance now, while you’re healthy, is a responsible step that could make things much easier for you and your family in the future.
Life Cover can pay a lump sum benefit to your beneficiaries if you die or are diagnosed with a terminal illness that reduces your life expectancy to less than 12 months.
Can be paid for using your superannuation.
TOTAL & PERMANENT DISABILITY COVER (TPD)
TPD Insurance covers you in the event of an illness or accident that leaves you totally and permanently disabled and unable to work. TPD is generally paid to you as a lump sum, enabling you to use the funds to cover debts, medical costs or modifications to your home that are necessary due to your disability.
Can be paid for using your superannuation.
CRITICAL ILLNESS COVER (TRAUMA)
A serious medical illness may have significant financial impacts upon you and your family. Similar to Life and TPD Cover, it is paid as a lump sum and covers medical conditions such as heart attack, stroke, cancer, multiple sclerosis and many more.
The lump sum can be put towards things like reducing your debt, covering medical costs and making alterations to your home.
Can NOT be paid for using your superannuation.
INCOME PROTECTION
If you are unable to work due to illness or injury, Income Protection Insurance provides a monthly benefit that can be used to cover your regular living expenses and other costs until you’re back on your feet.
If you are totally disabled, this cover provides you with a monthly payment, allowing you to continue to meet your family’s financial obligations.
Can be paid for using your superannuation.