Protect the ones,
investments & property
you care about.

Always seek a second
opinion when investing
your hard earns &
do your research.

Insurance is a vital component to any smart investment plan.
In particular there are four categories of insurance that should
be considered. Death Cover. Income Protection Cover.
Trauma Cover. Total & Permanent Disability Cover.

Death Cover provides beneficiaries with a lump sum payment
to help cater for their on-going financial needs & well-being.
As a general rule you should have enough cover to pay all large
debts & provide family/dependants with a lump sum that can be
invested to earn an income to replace your lost earnings.

Income Protection Cover. (IPC)
Your ability to earn an income is vital & should be protected.
IPC can provide a financial safety net of up to 75% of income
if you are unable to work due to illness or injury. In some cases
income can include employer superannuation contributions.
The premium may be tax deductible. (seek tax advisor advise)

Trauma Insurance Cover provides a lump sum payment in the
event of you being diagnosed as suffering from one of a range of
specified medical conditions (eg: heart attack, stroke, cancer).
The Insurance payment can be used to avoid financial stress
during the period of recuperation where items such as home
modifications & specialist medical care may be necessary.

Total and permanent disability insurance (TPD)
cover pays a lump sum on total & permanent disability due to
illness or injury. TPD may prevent you from earning an income
at a time when you may have on-going financial commitments
& additional medical & rehabilitation expenses.

Talk to us about your personal situation - we have a plan.