Personal insurance can be critical in providing financial protection for you and your family in the event of death, disability or major illness. It can protect against the loss of income, assist in the repayment of debts and allow you to provide financial assistance to your dependents so they can continue to enjoy the quality of life you wish for them.
We know that insurance can be expensive. So – after assessing your circumstances and needs, our first step is to always look at existing levels of cover (if any) you hold. For example, you may have existing cover within an Industry or Retail Super fund, which in many cases, is likely to be effective and relatively inexpensive to retain. This is disregarded by too many advisers with a view to structuring a ‘comprehensive’ package, which in most cases will be significantly more expensive.
Once this completed, we will work together with you to develop an insurance package which best meets your needs or that of your family or business partners. Cash flow, Tax and Superannuation are always considered in structuring an effective package for you.