Life Insurance is all about providing your loved ones with financial security when you are no longer around to do so. When you die your beneficiaries will be paid a lump sum benefit to go towards their continued living expenses. It will give them peace of mind when the last thing you should be worried about is paying bills.
Critical Illness Cover protects you in the event of a serious illness with a lump sum payment to go towards medical expenses, reduce debt and any additional care and rehabilitation you may require.. With increasing incidence of cancer, heart disease and stroke it is something that many of us will experience.
Total & Permanent Disability
If you can’t work, you can’t earn. And if you can’t earn, your life choices become very limited, very fast. TPD insurance provides a tax-free lump sum payment that can help change that. A lump sum payment can help you maintain your investment strategy, cover mortgage repayments, day-to-day expenses, ongoing care, medical bills and home modifications to give you and your family the option to enjoy the future the way you would like.
Your ability to work is your biggest financial asset so what happens when you are no longer able to? Income protection replaces your income if you are no longer able to work due to sickness or injury. You wouldn’t consider driving your car without insurance or not protecting you house and contents yet most Australians do not insure their income.
Our Advice Process
During our first meeting you can expect to discuss your financial goals and objectives so we can better understand how we can help. We’ll then do a financial health check by going through a series of questions so we can get a picture where you are today. This is also a chance for you to ask us questions about how we can help.
Once we’ve identified your goals, the next step in the process is for us to build a deeper understanding of your personal and financial situation. This information, along with our discussion about your goals and objectives, allows us to begin creating a tailored plan for you.
After finalising your tailored plan, we’ll present you with a Statement of Advice, explaining our recommendations and ensuring it meets your goals and objectives.
The strategies recommended in your Statement of Advice will now be implemented by us. This may also involve us working with our industry partners such as accountants, solicitors and mortgage brokers.
It is likely that your financial circumstances, goals and objectives will continue to evolve over time. That is why it’s important for us to contact you periodically to review your situation and update the strategies in place.
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