Choosing the Right Insurance:
Insurance is an essential part of the Planning Process that we undertake with all clients.
You never know what life will throw your way, so putting protection in place for you and your family is just common sense. Naturally the final decision on whether to insure or just take your chances will be left to you but any financial advice would be incomplete if we didn’t at least present you with the all the options including finding the right insurance cover for your circumstances.
Because insurance isn’t just about protecting what you have; insurance can help you protect your plans for the future.
You’ve gone to all the trouble of getting a financial plan, saving and investing. How would you feel if that was all ruined by a few months of illness or injury?
It’s even possible for you to end up in an even worse financial situation than before, because investments liquidated quickly rarely achieve full value. So you find yourself still owing the bank even when all your assets are gone.
Getting the right insurance cover and making sure you have adequate protection is key. Most people are seriously under insured and don’t even know it.
Yes you might have some life insurance, Workcover, sick leave and maybe income protection insurance, but is it enough? While you might be able to just scrape by on reduced income for a short period of time, what would happen if your illness (or injury) stretched on for months? Would you be able to cover your mortgage and other financial commitments?
Even if you have enough savings (which most people don’t) how would it feel to deplete those savings to pay for everyday expenses and bills? That’s money you have worked hard to save, sometimes over years and it could be whittled down to nothing by just a few months’ illness or injury.
And it’s more than just your everyday living expenses, if you have an accident, fall ill or suffer a long term disability there are often a lot of additional expenses that have to be paid.
Things such as; physio therapy, prescription medicine, prosthesis fittings, general medical expenses, in home assistance and emotional counseling. None of these expenses seem like too much on their own but when you add them up, and you’re already in a tough financial situation, they can be disastrous.
Still convinced it will never happen to you?
Even though things are great now you just can’t predict what tomorrow will bring, there are countless examples of people who thought they were invincible until illness or injury struck.
Some diseases strike down the fit and healthy through no fault of their own. Or car accidents even if you are a safe driver you just can’t control what others do on the road.
But you can acknowledge the risks of everyday living and prepare for the unexpected.
How to Get the Right Cover?
Even if you’re sold on the idea of having personal insurance it can be really hard to find the right cover for you. First you have to navigate the complicated product statements to find out what is included, if it is a reliable insurer and ultimately decide if it is the right policy for you.
Rest assured all of our Financial Planners are trained in the area of personal insurance products. This is complimented by their extensive experience and knowledge making them familiar with a wide range of products available on the market. We’ll also explain our reasons for choosing that particular cover in plain easy to understand English (not insurance company speak) so that you can feel completely confident with our recommendation.
To find out more about insurance and the wide range of financial services we offer please register for a free initial consultation with one of our experienced planers.
Register below now or just pick up the phone and give us a call now on 08 8333 0790
Insurance is an essential part of the Planning Process that we undertake with all clients.
You never know what life will throw your way, so putting protection in place for you and your family is just common sense. Naturally the final decision on whether to insure or just take your chances will be left to you but any financial advice would be incomplete if we didn’t at least present you with the all the options including finding the right insurance cover for your circumstances.
Because insurance isn’t just about protecting what you have; insurance can help you protect your plans for the future.
You’ve gone to all the trouble of getting a financial plan, saving and investing. How would you feel if that was all ruined by a few months of illness or injury?
It’s even possible for you to end up in an even worse financial situation than before, because investments liquidated quickly rarely achieve full value. So you find yourself still owing the bank even when all your assets are gone.
Getting the right insurance cover and making sure you have adequate protection is key. Most people are seriously under insured and don’t even know it.
Yes you might have some life insurance, Workcover, sick leave and maybe income protection insurance, but is it enough? While you might be able to just scrape by on reduced income for a short period of time, what would happen if your illness (or injury) stretched on for months? Would you be able to cover your mortgage and other financial commitments?
Even if you have enough savings (which most people don’t) how would it feel to deplete those savings to pay for everyday expenses and bills? That’s money you have worked hard to save, sometimes over years and it could be whittled down to nothing by just a few months’ illness or injury.
And it’s more than just your everyday living expenses, if you have an accident, fall ill or suffer a long term disability there are often a lot of additional expenses that have to be paid.
Things such as; physio therapy, prescription medicine, prosthesis fittings, general medical expenses, in home assistance and emotional counseling. None of these expenses seem like too much on their own but when you add them up, and you’re already in a tough financial situation, they can be disastrous.
Still convinced it will never happen to you?
Even though things are great now you just can’t predict what tomorrow will bring, there are countless examples of people who thought they were invincible until illness or injury struck.
Some diseases strike down the fit and healthy through no fault of their own. Or car accidents even if you are a safe driver you just can’t control what others do on the road.
But you can acknowledge the risks of everyday living and prepare for the unexpected.
How to Get the Right Cover?
Even if you’re sold on the idea of having personal insurance it can be really hard to find the right cover for you. First you have to navigate the complicated product statements to find out what is included, if it is a reliable insurer and ultimately decide if it is the right policy for you.
Rest assured all of our Financial Planners are trained in the area of personal insurance products. This is complimented by their extensive experience and knowledge making them familiar with a wide range of products available on the market. We’ll also explain our reasons for choosing that particular cover in plain easy to understand English (not insurance company speak) so that you can feel completely confident with our recommendation.
To find out more about insurance and the wide range of financial services we offer please register for a free initial consultation with one of our experienced planers.
Register below now or just pick up the phone and give us a call now on 08 8333 0790
To book your Free Consultation Now, just complete the below form
