There is no asset more valuable than your health. Without it you can’t work and without work, well, you don’t have any income. And while we all want to live a long, healthy life, it’s nice to know that our financial advisors can help financially protect you should you be unable to earn an income in the event of illness, injury or death.

Choosing the right type and amount of personal insurance is a complex process so obtaining financial advice is invaluable.

Life Insurance provides a lump sum pay out in the event of your death. This amount generally tends to be tax free.

Total and Permanent Disability (TPD) also pays a lump sum should you be deemed totally and permanently unable to work due to ill health or injury.

Income Protection replaces up to 75% of your salary or income should you be injured or become too ill to work. The premiums are considered tax deductible.

Trauma Insurance is a lump sum payment made in the case of a short-term medical illness such as heart attack, cancer or stroke. It is paid irrespective of your ability to keep working.

It’s natural to believe that nothing will ever happen to you but you can’t avoid the facts:

Every working Australian has a 1 in 3 chance of becoming disabled for more than 3 months before turning 65*Based on data from the Institute of Actuaries of Australia 2000. Interim Report of the Disability Committee IA Aust: Sydney

Approximately 40 cases of cancer are diagnosed hourly in Australia** “Cancer in Australia” 1998 Australian Institute of Health and Welfare

As responsible financial advisors, we can help you determine how long you and your family can exist financially if you were unable to work for an extended period. Having done so, we’ll then work with you to develop a personal risk insurance strategy that comprehensively and cost-effectively protects you and your loved ones.