While many people insure their home, car and possessions, it is even more important to make sure your family and lifestyle are protected from financial misfortune. Without a regular income, it can be a challenge just paying for everyday household expenses like groceries and power bills, while ongoing mortgage repayments or school fees can quickly eat away any savings. Worse still, if you’re self-employed and can’t work because you’re ill or disabled, you could be faced with the added pressure of the business bills rolling in.
The good news is that we can use risk insurance to structure a total financial protection package for you to protect against loss of income, disablement, serious illness and death.
While car and home insurance are relatively straightforward, personal risk cover can be complex, with many different options and levels of cover to choose from. We can help you decide which cover is right for you and what issues you need to consider. For example, which family members would you insure? When does it make sense to insure a non-working spouse? How should the benefits of any payment be distributed? What benefits are available within your superannuation scheme? What are the tax implications of taking out insurance?
If you own a business we can also review your business insurance needs. For example, is there ‘key person’ protection in place for the business owners and managers? Are the business assets and stock adequately insured against theft and damage?
To find out how we can help you safeguard your financial future, call 08 6201 7992 or email us.
This web page has been prepared by Synchronised Business Services Pty Ltd | ABN 33 007 207 650| AFSL No. 243313.
Information in this web page is based on regulatory requirements and laws, which may be subject to change. While care has been taken in the preparation of this document, no liability is accepted by Synchronised Business Services Pty Ltd , its related entities, agents and employees for any loss arising from reliance on this document.
The advice contained on this site is general in nature and has been prepared without considering your objectives, financial situation or needs. You should, before acting on any advice, consider its appropriateness to your circumstances (including your objectives, financial situation and needs). You should also consider the relevant PDS before making any decision about any product.
Gavin Bramley is an authorised representatives of Synchronised Business Services Pty Ltd.