Personal Risk Insurance

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Your life is marked by milestones, university graduation, 30th birthday, getting married, first home purchase, first child, starting a business, etc, as you transition between these various stages in your life your needs and goals change. Getting insurance at different life stages can help you achieve your goals and safeguard your family’s future while you’re still in your prime. For example, in the lead up to buying a home, there are many factors to take into consideration. Many people will meet with a mortgage broker or bank to determine their financial position and borrowing capacity. At this point in time, it is also important to consider the protection you have in place to cover the potential mortgage if you were unable to make the repayments. 

 Research suggests that a person aged 30 on a salary of $100,000 will earn approximately 6 million dollars during their lifetime. How would you cope with the stresses of daily life, cost of living, loan repayments and other expenses if you or your partner were unable to earn a salary or were to fall ill or suffer a trauma event (cancer, stroke, heart attack) whilst at the same time focussing on recovery?

 Our degree-qualified financial planners have extensive experience to help you structure your insurance in the most tax-effective way.

Insurance Protection

  • Life & Terminal Illness

    Life Insurance will provide a lump sum in the event of death or terminal illness and will secure the financial security of your beneficiaries allowing them to repay debt and fund ongoing income needs.

  • Total & Permanent Disability

    TPD will pay a lump sum benefit in the event you are permanently unable to work due to illness or injury allowing you to pay down debt, generate an income or fund any changes to lifestyle that may be required.

  • Trauma Insurance

    Trauma Insurance pays a lump sum benefit upon diagnosis of one of over 64 specifically listed medical conditions, e.g., cancer, heart attack, stroke, etc, allowing you to pay for medical expenses, repay debt or take time off work.

  • Income Protection

    Income Protection will provide a monthly income if you are disabled and unable to work due to illness or injury.