Protecting your wealth is an important part of our holistic financial planning service. Our tailored Insurance Advice and Wealth Protection solutions factor in both the level and type of cover required to protect you and your family should the unexpected occur.
We also consider your needs to provide Wealth Protection through appropriate structuring of assets through trusts or companies and will refer you to legal professionals if required to assist in their establishment.
Our approach to Insurance Advice generally follows these principles:
- Risk needs assessment based on your personal situation, including an assessment of financial protection required to cover outstanding debts, potential medical costs, lifestyle expenses and future retirement needs, using this information to provide tailored Insurance Advice.
- Optimisation of coverage, cost and tax consequences across Life Insurance, disability, income protection and trauma, including a review of any current policy features and premiums (such as the default cover inside your employer plan).
- Assessment of insurance holdings options (inside or outside of superannuation).
- Personalisation of cover based on occupation and health condition. We will work with you to find solutions where your job type or prior health conditions make insurance difficult.
There are many different types of insurance, and we can help you find the right level of wealth protection for your needs.
- Life insurance
- Total permanent disablement insurance
- Income protection
- Trauma cover
- Temporary salary continuance.
Our Wealth Protection service is supported by a comprehensive insurance comparison from a range of providers to find the right solution for you.
