Have “that” conversation

Protecting your income, your assets or preparing for adverse circumstances is not something we like to think about too often.

It is about protecting the livelihood of you and your family. A review can clarify the impact that illness, accident or death may have on you or your loved ones.

For Business Owners, taking a little time to understand these risks can flow through to other areas for potential improvements too. 

Life Insurance

Life Insurance

In the unfortunate event of death it provides a lump sum payment to the nominated beneficiary of the life insured.

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Total & Permanent Disability

Total & Permanent Disability

TPD pays a lump sum to you in the event of an illness or injury – resulting in permanent disablement not being able to return to work.

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Trauma

Trauma

Pays a lump sum on the diagnosis or occurrence of a serious medical event, such as cancer, heart attack or stroke.   

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Income Protection

Income Protection

For all Income Earners.

Get protection of up to 75{53f46dcaf02f7f359e6b1c8164f8f60c7f88793aa06abfa87bdda6e8215eb564} of gross salary until you can work again, or until the maximum benefit period.  Generally up to age 65.

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Business expenses

Business expenses

Designed for Business Owners.  

Covering business costs, generally for up to 12 months, if the business owner suffers an illness or injury and are unable to work.

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Key Man

Key Man

A capital injection to the business in the event of the involuntary departure of a director or key employee to replace lost revenue or cover a capital requirement.   

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Buy/Sell

Buy/Sell

Designed for Business Owners.

An agreement and funding arrangement to ensure all the Directors’ needs are met in the event of the involuntary departure of one of them.

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