Should I Pay Off My Mortgage or Contribute to Super?
One of the most popular questions we are asked by our clients is whether it’s best to pay off their…
They say life and income protection insurance is like a parachute; if you don’t have it the first time you need it, you won’t need it again.
Alright, that might be a bit morbid, but it’s true. People insure their cars, their contents and their pets. But a lot of people forget to insure the biggest income-producing asset they have, themselves. The very nature of life means none of us truly knows what’s around the corner. So, if you have dependents, or your income revenue/s would cease if you fell ill, then it makes sense to consider life insurance and income protection.
There is no cookie cut-out single best income protection insurance in Australia. Instead, it comes down to intimately understanding the market and all the fine print and nuances. For instance, total and permanent disability insurance (also known as TPD) might be relevant for you, whereas trauma insurance could be less pertinent. It’s not up to you to be an expert in the market - that’s our job. Rest assured - we are committed to providing counsel that suits your situation and needs.
If you have dependents, or your income revenue/s would cease if you fell ill, it makes sense to consider life insurance and income protection. With years of experience in this field, our independent risk protection group in Melbourne is best placed to help you. Let our financial advisors develop a personalised, flexible and affordable insurance strategy and have peace of mind that you and your family are financially protected.
Need some help with the risk management process? Our experts are here for you.
A good risk management strategy progresses your financial plan independent of you income. In other words, if your paycheque stops coming in, your financial plan can still advance.
The reality is, most people can’t save the amount of money required to do that. So, we need to determine how much of that risk we would like to pass on to an insurer, that’s where we come in.
Our team can develop an insurance strategy that is personalised, flexible and affordable so that you can move forward with the peace of mind that you and your family are financially protected.
We’ve provided tailored insurance advice to Melbourne for over 5 years.
So why not contact us for a no-cost, no-obligation catch-up, and let’s find the best life and income protection insurance for you.
Contact the personal insurance Melbourne experts today - 1300 022 866
We’ve provided tailored insurance advice & risk management to Australians for years. Contact a personal insurance advisor in Melbourne for a no-cost, no-obligation catch-up, and let’s find the best life and income protection insurance cover for you.
Insurance in Australia is a financial product offering protection against various risks and uncertainties. By paying a premium to an insurance company, policyholders receive compensation for specific losses or damages outlined in their policies.
In Australia, common types of insurance include health, car, home and contents, life, income protection, travel, business, and public liability. These provide coverage for various risks, such as medical expenses, vehicle damage, property protection, life protection, income replacement, travel emergencies, business risks, and liability claims.
Insurance helps individuals and businesses by transferring the financial burden of certain risks to insurance providers. It provides financial protection against unexpected events and helps maintain continuity and encourages risk mitigation practices and ensures compliance with legal obligations. Protection also offers peace of mind by offering a safety net against potential losses.
Disability insurance provides income if you're unable to work due to disability.
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