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Laser-Focused Personal Insurance Advice Sydney

Let’s make sure you have the right packages to help you manage risks.

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Genuine Insurance Advice from Friendly Experts

Quick Question: How would your premature death, or a major traumatic event such as cancer, or even six-months off work due to illness, impact on your family's current and long-term financial security?

Simple Solution: Just like you insure your car or home, you can insure what is likely your biggest financial asset - your future earning capacity.

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Let's Create Your Personalised Insurance Plan

Personal insurance is crucial to having a long-term financial plan.

Protection for your Family

Income protection for your family

Many insurance packages now are designed to provide you with life benefits.

You may take advantage of income protection coverage, which can be activated if you have lost your capacity to earn.

Getting an insurance plan with income protection can help your family in time of need. 

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Different Types of Insurance Plans

Australian insurance providers typically offer the following types of plans:

  • Income Protection - will pay you a regular benefit if you are no longer fit to work because of injury or illness
  • Trauma Cover - will pay you for medical traumas such as cancer or heart attack
  • Total and Permanent Disability (TPD) cover - will pay you a lump sum if you are no longer fit to work because of a specific permanent disability
  • Life Coverage (also known as Death Coverage) - will pay you a lump sum benefit if you are diagnosed with a terminal illness or pass away

Talk to a Licenced Insurance Adviser Sydney

The right insurance coverage can help you manage risks.

Retirewise  can help you determine what cover is most appropriate, how much cover you need, how it would be most appropriately structured and how sustainable the cost can be.

What Can A Financial Adviser Do For You

Frequently Asked Questions (FAQs)

What is the best way to choose your life insurance?

Before you choose a life insurance plan, you should first assess your present financial condition. Remember, insurance premiums are still expenses that you need to pay regularly so you need to take into account your budget.

You also need to figure out how much cover you need by estimating the amount your family will need to pay bills, support dependents, pay for school, or finance long-term needs. 

The amount of cover you need varies, but will generally depend on what assets you have already, what debts you hold, and what level of security you want to provide to your dependants.

What should I keep in mind when buying life insurance?

There are several important factors to consider including what cover types are most appropriate, what cover amounts are sufficient, how you want to structure it (inside or outside super), and what you can comfortably afford.

Who is best to speak to about life insurance?

You can speak to insurers direct, or even your superannuation fund regarding life insurance. However, a financial planner can help you think strategically about the appropriate types of cover, levels of cover, and how it can be structured to best meet your circumstances and objectives.

And don’t forget to involve your family or beneficiary in choosing a plan that is most suitable for your future needs. 

Do I need a life insurance advisor?

It’s usually a good idea to partner with an expert when it comes to getting life insurance.

Working with an advisor by your side will make the process much easier and you’ll be certain that someone knowledgeable of the available products can help you choose.