PERSONAL RISK INSURANCE

It is never too late to start planning your financial future and with our help you can achieve this goal and at the same time have financial security and peace of mind. Whatever stage of life you are at, we are here to help you get to where you want to be.

We can manage and review your strategies as your life changes and keep you on track with our experience and professional advice on:

Income Protection

Your ability to earn an income is valuable and should be protected. With income protection cover you can usually insure up to 75% of your regular income [in most cases] in the event that you are unable to work because of illness or injury.

Life Insurance/TPD

Term life provides a lump sum on your death or the diagnosis of a terminal illness – providing peace of mind for you and money for your family when they need it most.

Total and Permanent Disablement (TPD) cover pays a lump sum should you become totally and permanently disabled, or partially and permanently disabled through illness or injury.

Trauma Insurance [Critical Illness]

Trauma insurance offers protection by providing a lump sum payment in the event you are diagnosed as suffering from one of a range of specified medical conditions (e.g. a heart attack, cancer, or stroke). The lump sum payment can be used to avoid financial stress during the period of recuperation where items such as home modifications and specialist medical attention may be necessary.

WEALTH CREATON

Super & Wealth Accumulation & Retirement planning

If you are still working and want to save for your retirement in a tax effective way, or want to rollover and consolidate superannuation benefits and want to invest in a wide range of investment funds.

Investment [Savings] Bonds

Insurance bonds can be used as a savings vehicle. Savings accumulate within the insurance bond and are taxed in the hands of the life insurance company. After an insurance bond has been held for 10 years or more the proceeds are received tax-paid and the income component is not included in your tax return.