Many people insure their material assets such as their home and motor vehicles, but fail to insure their most important asset.  Their ability to earn income. Have you ever considered what the consequences and impact would be if you were unable to work due to an accident or illness:

• Who and how would you pay for your mortgage?
• How would you pay for your medical costs?
• What if you had to modify your home to cater for your disabilities?
• How would you continue to provide for your family?

Protecting your ability to earn income as well as your family, lifestyle and business is critical. We are able to provide a no obligation free discussion with our insurance specialist to discuss your insurance needs.

TERM LIFE – Term Life provides lump sum payments for your family to ensure that your financial obligations are meet should you the unforseen happen.

TPD – Total and Permeant Disability Insurance provides a lump sum payments if you suffer illness or injury that results in you being disabled and unable to return to work.

TRAUMA – Provides a lump sum payment if you suffer a list of major medical trauma such as heart attack, cancer, stroke or by pass. This will assist you with medical and rehabilitation care.

INCOME PROTECTION – Provides a monthly income benefit of  up to 75% of your gross income if you suffer injury or illness and are temporarily unable to work. This will help assist your lifestyle until you are able to return
to work.

BUSINESS EXPENSE COVER – Reimburses the owner of a small, self employed business for ongoing, fixed business expenses tat continue to accrue whilst the owner is unable to work because of illness or injury.

Examples:
You probably wouldn’t think about driving an uninsured car so why do we drive our own lifestyles uninsured……

Did you know that?
2 % of consumers have trauma protection2 – 2in 5 males and 1in 4 females will suffer from a critical illness between age 30 and 64 with the average claim being around $50,000 10

5 % of consumers have TPD protection2 – Half of all serious accidents occur away from work hence no work cover 9

9% of consumers have income protection2 – Each year approximately 1 million Australians experience serious injuries or illness, which either require hospitalisation or prevent them from working8

17% of consumers have life insurance2– 1 in 5 will die during their working life7

72 % of consumers have home building insurance1 – each year there are over 10,000 house fires6

87 % of consumers have home contents insurance1 – in Australia some is burgles approximately every minute5

87 % of consumers have motor vehicle insurance1 – 1 in 270 cars are stolen each year4

The financial consequences of our biggest asset our ability to earn an income can be far greater than the loss of a car or other property. Whilst nothing can compensate for the emotional loss that such an illness or injury causes, it is however possible to minimise the financial loss to your family or business by putting in place appropriate risk insurance.The tables below reflect recent claims that have been made which demonstrate that accidents and injury to occur no matter what industry you work in or your age level.

TERM LIFE INSURANCE- CLAIMS DO HAPPEN. SOME RECENT CLAIMS