Your way of life is all about enjoying the things that matter to you most – family, friends, fun and freedom. Insurance can help safeguard everyday life. But for most people the amount they have may not be enough to protect what they treasure in the event of an accident, sickness or death.

 

Types of Personal Risk Insurance:

 

Life Cover	Income Protection Cover
A cash lump sum payable on death or diagnosis of a terminal illness to help support your surviving dependants.	Monthly income stream to help support you and your family if you become ill or injured and unable to work.
Total & Permanent Disablement Cover (TPD)	Trauma Cover
A cash lump sum payable to help support you and your dependants, if you become totally and permanently disabled due to illness or injury.	A cash lump sum to help support you and your dependants, if you suffer a specific major medical condition.

 

Our Financial Planners will not only assist you in determining the amount of insurance required, but also the most appropriate type. Additionally, by tailoring the different products, we can plan so you and your dependants do not

suffer financial hardship when faced with personal crisis.

 

 

Business Risk and Insurance analysis including Business Succession Planning

 

One of the greatest risks for any business is to lose a principal member or key person either through death, critical illness, temporary or permanent disability, or even due to that persons choice, regardless of the business structure.

It is vital for your business’ continued growth to identify such risks and develop a strategy to minimise these risks.

 

Effective planning can assist the business to remain operational and ensure that financial security of both the business associates and their families is maintained.

 

Business succession agreements play an important role in ensuring both a business and its owners are protected

in the event of the departure of an owner.  Such agreements assist to preserve the business and ensure the outgoing owner receives an amount representative of their equity in the business.

Insurance can help to eliminate the need for re-financing, restructuring or dissolving the business.
Our financial planners will not only assist you in determining the amount of insurance required, but also the most appropriate type.

Types of Business Risk Insurance:

Key person protection	Business succession protection	Business overheads & Business expenses protection
Key person insurance can provide the required cash on a key person's premature death, incapacity, or upon diagnosis of a critical illness.	Where a buy/sell agreement is in place business succession protection provides a funding mechanism that will provide the capital to pay this purchase price on a key partners premature death, incapacity, or upon diagnosis of a critical illness.	Business overheads insurance provides funds to replace fixed business expenses in the event of temporary incapacity of you, your business partners or major contributors to business revenue.

Estate Planning

 

Estate Planning is about wealth succession and provides you with control of your assets by making sure the right amount of money or assets go to the right people at the right time.  Estate Planning is complex and requires the expertise offered by a solicitor and accountant in conjunction with the guidance of a Financial Planner.