You're One Anchor Plan Away
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A VITAL DECISION THAT WILL IMPACT THE REST OF YOUR LIFE

Long-term insurance planning

Consider the picture presented to the left; you are asked to place the smallest ball in your pocket, in a matter of minutes you would forget it’s there. Now imagine a second individual with a medium-sized ball. They could do the same, but there would be ongoing discomfort.

Consider a third individual was presented with the largest ball to do the same; it would be impossible. By speaking to us at your current age, protection can potentially be obtained and placed in an affordable long-term plan.

Waiting a few years to obtain the same cover, could be done for most. However, the premiums will potentially be a burden and felt every day. If the wait is too long However, like the large ball, the Life insurance cover you and your family needs will be classified by most as unaffordable.

Please consider the consequences of waiting to make this critical decision, the impact could be felt for the remainder of your working and retirement life.

HOW TO FUND INSURANCE PREMIUMS FROM SUPER

Insurance inside super

Did you know Death cover, income protection, and total and permanent disablement cover can all be held in most super funds? Premiums are paid by the super fund freeing up cashflow for individuals, whilst offering vital protection if the unforeseen were to happen. Please seek life insurance advice before considering this option.

WILL IT BE A DISASTROUS OUTCOME
WITHOUT COVER?

Why obtain personal insurance

In the vast world of insurance, covers are available for almost all aspects of our day to day and business life. The availability of substitutes for the cover needs is considered carefully. In other words, If the unforeseen were to happen, i.e. injury or illness leaving the individual out of work for an extended period, or worst death, would it equate to a disastrous outcome for you and your family.

When considering personal insurance, there is no substitute for most Australians. Without cover, the outcome for most would be devastating. The heavy reliance often on one family member to provide, means the average Australian household will run out of funds within the first month without an income, and worse financial dependents will face significant financial burden in the event of death.

With personal debt levels in Australia at an all-time high and amongst the highest globally, personal insurance is a critical decision that needs to be considered.

Unfortunately, we cannot obtain insurance when we need it, and as part of our financial journey, future unforeseen planning is essential. Insurance cover can be considered a fixed cost of your financial plan leaving nothing to chance.

HOW LONG CAN YOU LAST WITHOUT AN INCOME?

Income Protection

In the event, you are unable to work due to critical illness or injury we can help you with income protection to cover your income. Generally, 75% of your monthly income is covered for your chosen benefit period to help you pay the bills and maintain your family’s quality of life.

Income protection can:

– Cover daily expenses, i.e. mortgage, bills, food
– Pay for medical costs

Income protection if paid directly can be claimed as a tax deduction and have a benefit period till age 65 if required.

FATAL TRAPS WHEN IT COMES TO LIFE INSURANCE

This FREE Report critical traps to be aware of when considering life insurance

It could save you thousands in the long run and may minimize the chances of a rejected claim, Get your free startling report now.

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DON’T LEAVE YOUR LOVED ONES WITH THE FINANCIAL BURDEN IF YOU ARE NO LONGER AROUND

Death Cover

With the right amount of Life insurance, you can have the peace of mind knowing that your loved ones will be looked after financially if you were to die or become terminally ill. Dealing with a loved one's death is extremely hard, but with life insurance, your beneficiaries will be financially assisted during an extremely difficult time.
MOST AUSTRALIANS KNOW OF SOMEONE WHO HAS SUFFERED AN ILLNESS. SO WHAT HAPPENS TO YOU AND YOUR FAMILY FINANCIALLY WHILST YOU ARE FIGHTING CANCER, RECOVERING FROM A HEART ATTACK OR STROKE?

Trauma cover

How would you or your family cope if you were unable to work for six months or longer, who would pay the bills, will there be someone who can look after the mortgage repayments or the day to day expenses.
Trauma insurance covers you with a lump sum tax-free payment. If you're diagnosed with a specified medical condition or severe injury or undergo a medical procedure outlined in your policy. This can include heart attack, major organ transplant, cancer, and stroke, to name a few.

ALOT COULD CHANGE IF WE END UP IN A WHEELCHAIR

Total and permanent disablement

Total and permanent disablement cover provides financial assistance if you become disabled and unable ever to work again. This will ensure that you and your family will be able to maintain your quality of life.

THE PREMIUM STRUCTURE COULD SAVE YOU THOUSANDS IN THE LONG TERM

Understanding the different premium structures when considering life insurance can be critical. The difference could save you a significant amount of premiums in the long term. The cover you desperately need in the later years could still be very affordable by taking up the premium structure that suits your needs. Please seek advice confirming which premium structure is the correct choice for you.
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183 Melbourne St, North Adelaide South Australia 5006