Insurance
Income protection or “salary continuance”. Pays a monthly benefit if you are unable to work due to disability
For Small Business people and professionals. Include one year of extra benefits to cover your fixed overheads.
Critical Illness or “Trauma” benefits. Pays a lump sum on diagnosis of any event on a list of common critical medical situations where the last thing you want to have to think of is money. Real example. A client with early detection of breast cancer was able to say yes, without hesitation or worry, to a drug course costing $80,000 long before it was on the PBS.
Total Permanent Disability (TPD) . Pays a lump sum benefit if it is agreed that you are unlikely to be able to work again.
Death. or “Life” insurance . Pays out on death of the life insured. Usually a “term life” policy that ends at 60,65,75 or 90 , as compared to the once common “Whole of Life” policy (which included a large and conservative savings investment component to meet the benefits in later years)
Life, disability lump sum or income insurances are critical for the protection of families and businesses from the financial disaster of premature loss of earnings and huge medical costs.
Few people have just the right amount of insurance for all the family or executives, or the best quality or best value policies they can have. In the past it has been sold to them bit by bit. “A good idea at the time” .
We help you sensibly assess your present needs.
Our software can instantly access and compare the whole insurance market across all leading companies, not only on price but on important features and definitions. Our recommendations to you are supported by objective hard data and reasons. We assist you to apply and become insured. The whole process can be done by phone and email.
Insurance may be arranged inside managed super funds, by self managed super funds or for personal ownership.
Business owners might consider insurance for replacement of key persons or for the buy out of shares or partnerships.
if current advice or service is unsuitable you can appoint us to replace the current advisers for your policies and to restore order.
Personal or business person insurances (people)
- life/death
- Permanent Disability
- Salary Continuance
- Income Replacement and Business overheads payment
- Trauma or Critical illness
General business and property insurance (things)
By referral to brokers who have served us faultlessly for over 30 years
