• Life Insurance
  • Wealth Protection
  • Wealth Creation -Superannuation

Personal Insurance

Life insurance

Life Insurance (sometimes called term insurance or death cover) provides a lump sum or equivalent installments in the event of death or diagnosis of certain terminal illnesses.

Trauma Insurance (Critical illness/Crisis) 

Trauma Critical Insurance cover provides a benefit upon the initial diagnosis of a specified injury or illness

Total Permanent Disability Insurance (TPD)

Benefit  that provides for payment of a sum of money in the event a policy holder becomes totally and permanently disabled. TPD is an optional extra cover  offered by most life policies.

Family protection – Child Trauma insurance 

Provides a benefit for the children upon the initial diagnosis of a specified injury or illness.

Income Protection Insurance (Inside Super or Outside/Non super)

Replaces up to 75% of your income for a specified period if you are unable to work temporarily due to illness or injury defined by policy conditions. If you have debt and are reliant upon your income to meet loan repayments, this is a very important form of insurance to consider. The premiums are also generally tax deductible. (Eligibility varies)

Premium affordability

The most common reason given for not taking out insurance is “I can’t afford it.”  The question that must be asked is “can you afford not to have insurance?”  Your financial adviser can review your circumstances and will make recommendations that will meet your insurance objectives.

Income Protection

Most people think to insure their physical assets but often forget their most important asset: their ability to earn an income. Income Protection provides payments to replace lost income due to accident or illness. Generally, you can cover up to 75% of your income.

Business insurance

Business Expenses Insurance

Business Expenses Cover provides cover for the operating expenses of your business while you are unable to work due to sickness or injury. This product is ideal for the self-employed, for partnerships and for small businesses.

Superannuation

Superannuation is an investment structure that enjoys special taxation treatment to encourage people to provide for their retirement. Your Super money is generated through your employer contributions and the money topped up by your contribution. Sometimes this may be co-contributed by the Government.

Overview of superannuation 

  • Provides an overview of superannuation and answers some frequently asked questions

Choice of superannuation

  • Provides an overview of choosing your superannuation fund and answers some frequently asked questions

Combining superannuation

  •  Provides an overview of combining your superannuation and answers some frequently asked questions

Contribution Splitting 

  • Provides an overview of contribution splitting

Death benefit nomination

  • Provides an overview of contribution splitting

Government  co-contribution

  • Discusses the Government co-contribution and answers some frequently asked questions

Inter-dependency relationships

  • Provides an overview of inter-dependency relationships

Salary sacrifice

  • Provides an overview of salary sacrifice and answers some frequently asked questions

Spouse contribution

  • Provides an overview of spouse contributions and discusses the tax offset with spouse contributions

Superannuation contribution

  • Provides an overview of concessional and non-concessional contributions and answers some frequently asked questions

Withdrawal from superannuation

  • Provides an overview of the rules of withdrawing from superannuation and answers some frequently asked questions

Contact us for information leaflet or to arrange a time for an obligation free first meeting 

Our Standard General Advice Warning

This information may be regarded as general advice. That is, your personal objectives, needs or financial situations were not taken into account when preparing this information. Accordingly, you should consider the appropriateness of any general advice we have given you, having regard to your own objectives, financial situation and needs before acting on it. Where the information relates to a particular financial product, you should obtain and consider the relevant product disclosure statement before making any decision to purchase that financial product.