Personal Insurance

We give you the right advise

We spend all this time and energy concerned about whether we will have enough money to live how we want to, provide for our family, and save a nest egg for our retirement years. We save, invest and accumulate wealth over decades, using our income to put food on the table, buy a car, go on holidays and contribute into our super accounts.

But what if you didn’t have that income for some time, or it stopped entirely unexpectedly due to illness or injury?

You cannot just rely on sick leave – which can only last for a limited period of time, or Workers Compensation – which is only applicable in limited circumstances.

Australians are living longer ,with medical advancements  ensuring that many of us have an extended prognosis when diagnosed with conditions such as cancer or heart disease. The problem to be considered though, is how long might you have to  live with a disease or disability? How would you provide an income for your family to get on with their lives?

But…what are the odds…

Source : Zurich Australia.. What are the odds? Fact Sheet April 2014

It is important to ask yourself…

Self Managed Superannuation is also known as Do-it-Yourself Super or DIY Super. With a self managed super fund, you are responsible and the trustee of your own fund and need to comply with super law and make your own investment decisions.

What is more valuable? Your car, your house or you?

  1. A. C. Nielsen, Trends & Insights, 2006.
  2. IFSA, Cost of Underinsurance Project—Analysis of Life Insurance Needs, 2005.
  3. Fast facts: A Nation Exposed’ IFSA August 2005