YOU

It’s easy to get caught up in day to day life and not have the time to think about what would happen to the family if you couldn’t work, or required costly medical treatment due to medical misfortune.

Your ability to earn income provides security. Without income you rely on the generosity of others or social security.

INCOME PROTECTION can replace up to 75% of your income when you need it most, and the premiums are generally fully tax deductible.

Your ability to pay for treatment or top up the medical insurance gaps can provide peace of mind and allow the family to function financially whilst you are recovering.

TRAUMA/CRITICAL ILLNESS PROTECTION provides a lump sum in cases where listed conditions are diagnosed. It includes conditions such as Heart Attack; Cancer; Stroke and many, many more. Capacity to work or disability is not a condition of the policy.  This protection is also available for your children.

Should you  become Permanently Disabled, be diagnosed with a Terminal Illness or Die, leaving the family with sufficient funds to continue to function financially provides peace of mind to all involved. Insuring for a lump sum to pay off debt and provide ongoing funds for investment to replace the income you would have brought into the household is easy to set up and generally inexpensive to maintain.

DEATH/TERMINAL ILLNESS / PERMANENT DISABILITY PROTECTION  provides a lump sum in such situations. Whether you can set up the cover within your superannuation, Self Managed Super Fund or personally owned, its straight forward and should form the foundation of your individual or family protection.

 

Call Estate Risk Solutions on 1300 883 139 to discuss some options which are suitable to meet your individual needs TODAY!