Insurance - An Important Part of Any Plan
You’ve worked hard to build the life you have. Now it’s time to ensure it’s protected properly.
Many investors are surprised to discover they could be running unnecessary risks with their assets, income and future because they have overlooked critical insurances that can protect the wealth they’ve worked so hard to create.
Let’s face it, no one wants to think about what can go wrong in life but being prepared can help ensure that life’s challenges aren’t made worse by financial difficulty and further loss.
Adequately protecting your income and assets with the right insurance is just as important as building it.
Access the information you need to make an informed decision
Life is just as important as creating it... Knowing you have made plans to secure your family’s future gives you peace of mind and a great sense of security.
|
|
| FACT: Most people are risking the most valuable thing they have • 83% of people insure their cars and only 31% insure their income. • Your ability to earn an income is so much more valuable to you and your family than a car! • If you earn $60,000 a year today, it’s worth more than $2.2 million over the next twenty years. Source:www.lifewise.org.au |
Until recently, most people would agree that finding the right insurance is a time consuming and often confusing task. As a result, many people are either under-insured, over-insured, inadequately insured, or worse… not insured at all.
There are many factors to consider when dealing with insurance… What kind of insurance do you really need? How do the covers provided by the various policies fit together? Which providers are offering you the best options? And how do the premiums compare?
Your Freeman Fox Adviser is able to consider your insurance needs in light of your personal financial and investment position and save you many hours of investigation and research.
With access to a range of providers, your Adviser can provide you with a no obligation quote for your insurance needs including policies for Life, Trauma, Disablement, Income Protection and even Business Expenses if you are self employed.
All Kinds of Cover for a Rainy Day
Money to keep your way of life if you can’t earn an income
If you are unable to work due to illness or accident, Income Protection insurance will help to safeguard your lifestyle and ensure that you are able to continue to put food on the table, pay the mortgage and cover day to day living expenses. A portion of your salary will be provided to cover the cost of living for your family until you are able to return to work.
Help with unexpected health costs
Focus on your most important asset - YOU! Sometimes called Critical Illness, Trauma Insurance pays you a lump sum designed to give you money when you need it the most. Allows you to get the best treatment and covers against the financial hardships that arise in the event you are diagnosed with a defined illness such as a heart attack or cancer. Trauma Insurance is different to Income Protection Insurance in that it pays you even if you are still able to work and it is not based on a portion of your income.
Assistance to get back on track
Total and Permanent Disablement Insurance is your financial back-up plan and gives you cover in the event of a disabling accident. Helps pay for big things like home modifications, long-term care, elimination of debt or to take a new path if you are permanently unable to return to the work in which you have been trained.
Funds to keep your business operational if you can’t work
Own a business or self employed? Make sure you have a back-up plan for all your hard work! Business Expenses Insurance ensures that your business keeps running in the event you are unable to work due to illness or injury. While you focus on your recovery have peace of mind that your business won’t suffer and your fixed costs are taken care of - covers office rent/ property loan, car and equipment leases, insurance, utility bills, salaries, and even a locum.
Financial security for your family
Life Insurance is there to ensure that your family continue to live the lifestyle you’ve planned together if you’re no longer there to look after them. You will have peace of mind knowing that your family will receive a lump sum payment that will provide for them financially.
Want to get your Insurance sorted now?
Give yourself and your family the security and peace of mind that the right insurance can provide. Just fill in the form below and one of our Freeman Fox Insurance Specialists will call and email to connect with you promptly.