Personal Risk Insurance
Why does insurance matter?
The unexpected events of the past few years, have made financial protection a front of mind matter for most Australians. Now more than ever we appreciate that life does not always go the way we plan. Having a plan in place if things do take an unexpected turn can mean that our health, lifestyle and…
Read MoreCOVID-19 and the importance of Life Insurance
Overview The advent of a global pandemic in COVID-19 has been a shocking event in many ways, more obviously from a health perspective. COVID-19 is clearly a highly dangerous virus for those over 70 and those with existing health conditions. Having said that there have also been cases of people who are both relatively young…
Read MoreChanges to income protection insurance
What is income protection? Also known as ‘salary continuance insurance’ or ‘disability income insurance’, income protection provides a portion of your income, for example 75% of your annual salary, if you are unable to work due to injury or sickness for a certain period of time. You need to advise your annual salary when you…
Read MoreProtect Your Income
If you’re employed or self‑employed, income protection insurance can replace up to 75% of your pre-tax income if you are unable to work due to illness or injury. Why protect your income? If you are unable to work for an extended period due to illness or injury, you could run down your savings very quickly and…
Read MoreInsurance: Get insurance while you’re still bulletproof
According to research by TAL insurance provider the cost of personal insurance soars after the age of 35. This is also the time in our lives that you may be going through significant change such as marriage, children, a bigger mortgage and more responsibilities. In the previous 5 years to 2017, TAL paid out insurance…
Read MoreHere’s why you need income protection
Your ability to earn an income is usually one of your biggest assets, so why not protect it? A sudden illness or injury can keep you from working and leave you in financial difficulty. You may get help from a worker’s compensation payout or personal savings, but are they enough to help you meet your…
Read MoreManaging your insurance cost
You don’t have to cut corners on your insurance or sacrifice the adequacy of your cover to make your policy more affordable. Choosing a payment structure Choosing stepped premiums in the first few years of your life insurance policy may help you keep the cost of cover low in the beginning. Stepped premiums allow you…
Read MoreTrauma Insurance Benefits | Video Case Study
Case Study – When Personal Insurance Benefits the most This video is a small appreciation for their gratitude of the advice given to them. Tim (53) and Jenelle (53) are hardworking, everyday Australians. Tim has been running his own business for many years, while Jenelle works as a nurse. Both Tim and Jenelle understand the…
Read MoreHow to protect your assets from expensive mistakes
Protecting yourself from frivolous creditors and lawsuits is becoming an increasingly common concern. Here we outline some of the ways you can insulate your assets. Check your insurances Liability insurance is a must if you want to safeguard your assets in the event that you need to pay compensation. Lawsuits can arise for a range…
Read MoreYour Biggest Asset
Are you insuring your biggest asset? With the majority of Australians still dangerously underinsured, is it time you reviewed your cover? Jeff is a clean-living 53-year-old who exercises regularly, doesn’t smoke, enjoys a healthy diet and only indulges his love of good wine at the weekend. Yet things changed suddenly for Jeff last year when he…
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