Professional Personal Insurance Advisers Ready to Help
Laser-Focused Personal Insurance Advice Sydney
Let’s make sure you have the right packages to help you manage risks.
Find out how your superannuation balance compares.
Take the quick self assessment to determine if you’re on track for good retirement (or not)
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.
Let's Create Your Personalised Insurance Plan
Personal insurance is crucial to having a long-term financial plan.
But you just can’t shop around and buy the insurance coverage you first stumble upon.
You need to make sure that you have the right package based on you and your family’s circumstances and needs.
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.
Different Types of Insurance Plans
Australian insurance providers typically offer the following types of plans:
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)
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.
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.
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.
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.