Risk Insurance

The greatest asset we have, is our ability to earn an income. Without it, we’re unable to fund our lifestyle, pay the mortgage, put food on the table and travel to all those places we’ve always dreamed of. The best plans in the world can be easily derailed if we’re unable to work and earn.

We can make sure your income continues if you are suddenly unable to work or receive a lump sum in the event of a serious illness, permanent incapacity or that your family is taken care of if you’re no longer there.

We offer advice on a range of risk insurance products including:

Trauma Insurance – to cover you should you suffer a critical illness such as cancer or heart disease
Total and Permanent Disablement –should you suffer an injury or illness that would permanently incapacitate you from working
Life Insurance – to cover loss by providing a lump sum for repayment of debt, leave a legacy, fund a funeral or to secure a business should you die.
Income Protection – to replace a part of your income should you become sick or injured and unable to work
Business Expenses Insurance –designed to cover your fixed business expenses if you are self-employed or a business owner and unable to work.

Our advice covers which of these are tax deductible and how they can best be funded, whether you pay personally, through your business or with superannuation monies. We here to help protect you and your biggest asset.