Our Services and How We Work With You
We offer you our range of personal risk insurance, superannuation and financial planning services to help you with your different life stages. For example, as your Income fluctuates with different jobs; as your level of debt changes; when you may have a partner; as you may have children; as your children grow up becoming more financially independent, and as you strive for a financially secure retirement.
As your circumstances change you should always regularly review your insurance, superannuation and financial planning needs and objectives so that you have the appropriate products and levels of cover.
During our first meeting we go through how we work with you including looking at your needs and objectives by completing a detailed needs analysis covering such areas as what your want to achieve consider your current situation and then establish strategies to help you achieve your goals.
We then analyse your situation and present you with our recommendations in a document called a Statement of Advice. We then discuss the recommendations with you and implement the course of action that you feel most comfortable with.
We recommend that you take advantage of our complete Professional Financial Analysis. This service is tailored to your needs and could include:
If you are a small business owner you may also wish to consider business expense insurance which will pay a benefit for certain business expenses in the event you can’t work due to sickness or accident.
Premiums for income insurance are generally tax-deductible.
| Type of Solution | Insures against… | You might use the benefit to… |
|---|---|---|
| Life Insurance |
Provides a lump sum in the event of Death. Life Insurance can help your dependants cope financially, after you die. |
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| Income Insurance |
Provides an Income Stream in the event of your inability to work due to sickness or injury. It can help you meet your basic living expenses if you have to stop work due to sickness or injury. |
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| Trauma Recovery Insurance (Some call this Living Insurance) |
Provides a lump sum on diagnosis of Traumatic medical conditions (including cancer, heart attack, stroke, coronary by-pass surgery and angioplasty). It can help you cope financially with the effects that a trauma will have on your life. It can help remove the financial stress and pay for changes you may need to make to your lifestyle. |
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| Total and Permanent Disability Insurance |
Pays a Lump Sum in the event a total and permanent disability stops you from ever working again. It can help you cope financially with a total and permanent disability |
|
| Business Expenses Insurance |
The inability to work due to sickness or injury Illness and injurious events. Business Expenses Insurance can help your business cope financially with your inability to earn the business an income because of sickness or injury. |
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| Superannuation | Insures against not having enough money to maintain your desired retirement lifestyle Provides a Lump Sum and/or Pension. |
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| Financial Planning | Insures against you not meeting your financial needs and objectives |
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You should always read the product providers’ Product Disclosure Statement (PDS) before deciding whether to buy or continue to hold a product. These can be obtained from your Authorised Representative.
What will it cost…
When you purchase a life insurance product, we may receive a payment called brokerage (commission), which is paid to us by the financial product issuer when a product is placed with them. Alternatively, you may pay a fee for service or a combination of both fee for service and brokerage. We will discuss with you the options available.
Please note that our business never takes commissions from investment or superannuation products. Commissions for these types of products are rebated in full and our practice charges a fee for service instead. Our standard fees can be seen in our financial services guide.
Contact us Now for assistance.