What We Do

We protect your future should you die or suffer a disability which may jeopardise the financial security of your family or business. In our analysis we get an understanding of your situation, your future financial goals, and the human capital risks you face, to deliver a risk plan to protect you against those risks as much as possible.

MANAGING PERSONAL RISK

  • LIFE INSURANCE
  • Provides a lump sum payment if you die (or diagnosed to die in the next 12 months). This lump sum can help repay debt, pay for funeral expenses, cover children's education, or create an ongoing income fund

  • INCOME PROTECTION INSURANCE
  • Provides a monthly income should you suffer a total or partial disability which causes a reduction in your ability to earn your normal income. The monthly benefit can replace a significant portion of lost income to help maintain your usual lifestyle during treatment and recovery

  • MORTGAGE PROTECTION INSURANCE
  • Provides a monthly income should you suffer a total or partial disability which causes a reduction in your ability to meet your mortgage repayments. The monthly benefit can cover mortgage repayments during treatment and recovery

  • TRAUMA INSURANCE
  • Provides a lump sum payment should you suffer one of the specified critical illness conditions such as stroke, heart attack, cancer, etc. The lump sum can help reduce debt, offset any losses to your future income, or provide a cash reserve

  • TOTAL AND PERMANENT DISABILITY INSURANCE (TPD)
  • Provides a lump sum payment should you completely lose your ability to ever work again (or carry on your normal tasks, if you are not employed). The lump sum can help alleviate the significant financial impact that losing an income forever would likely cause, including repaying debt or creating an ongoing income fund.

MANAGING BUSINESS RISK

Most business owners take steps to protect the obvious, such as plant and equipment. However themselves and other key people are often the most important asset for a business, and their loss can have a far greater impact on the business. As part of our business risk audit we address the following business risks:

  • KEY PERSON PROTECTION
  • Figuring out how you manage the financial risk to the business from the loss of a key person

  • SHAREHOLDER/BUY-OUT PROTECTION
  • How to structure the buy and sell of ownership should a shareholder or business partner die or become disabled

  • DEBT PROTECTION
  • Ensuring your personal assets are not exposed to business loans for which you have had to provide personal guarantees