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.