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53 Northumberland Road, Onkparinga Hills SA 5162
0423 694 248
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Most people don't think twice about having their home and contents insured, or their car even the family pet get's it. However beyond private health insurance we often dont think about personal risk insurance like life cover, total and permanant disablement, trauma and income protection and how it can shield us from the impacts of an accident or unexpected illness.
Life is busy and there's enough to worry about and we may not want to think about the chances of something happening to us or our family, but just as we see the value in protecting a home or car there is merit in protecting your family and their lifestyle. We are not trying to scare you far from it, we want to empower you so you know what each cover does and how you can be prepared.
Life insurance as the name implies insures your life. In the unfortunate circumstances that you were no longer here to provide for your family than this type of insurance can leave a lump sum of money to provide ongoing financial means to your family. They may use this money to pay out existing debts like a mortgage etc or to provide your children with the education that you feel is important, it can even be invested to leave a regular income to help support them into the future.
It's not a nice thought but could you survive financially if you were totally and permanently disabled? In addition to the general family expenses associated with living, would you also be able to afford the medical expenses associated with your ongoing living in this condition.
Total and Permanent Disability is an added protection benefit often offered with life insurance policies. Generally speaking it covers the insured if they are unable to work in their own or any occupation for which they are suited by training, education or experience because of illness and injury.
Your greatest asset is your ability to produce an income for you and your family. If you cannot live without your income for a prolonged period of time, you generally will need an income protection policy. Income protection insurance pays up to 75% of your annual income, in monthly benefits, to cover your expenses should you become unable to work. Income protection allows you to maintain your lifestyle as you concentrate on getting better.
Critical illness (or trauma cover) was introduced because of medical advances which have increased survival rates after serious medical conditions like heart attack, cancer or stroke. Critical illness offers protection by providing a lump sum payment in the event you are diagnosed with one of a range of specified medical conditions. It can help ease the financial impact of a critical illness on your lifestyle by paying you a lump sum when you need it most.
A drop in revenue is often inevitable when a key person is no longer there due to sickness or injury. Business expense insurance can help ease the burden by providing a monthly payment to help offset the cost of fixed expenses.
A drop in revenue is often inevitable when a key person is no longer there due to sickness, injury or even death. It can be difficult to keep up demand while you’re finding and training a suitable replacement. Revenue protection can provide your business with enough money to compensate for the loss of revenue and costs of replacing a key employee or business owner should they die or become disabled.
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