Our view on insurance is simple: we believe the right insurance should act as a safety net, giving peace of mind that you and your family will be financially sound, even if the unexpected happens.
Death & Disability Insurance
We’ll talk you through the different insurance options that will cover you in the event of death or disability. When choosing a policy, it is essential it pays you the right amount at the right time. Insurance for death and disability provides some peace of mind that you and your family will be financially protected, no matter the challenges ahead.Major Trauma & Illness
Insuring against major trauma or illness will safeguard you and your family if unforeseen events, such as accidents or sickness, occur. This insurance means you have immediate funds when you need them most, allowing you to take time off work if you need to recover and your spouse to take time off work to support you. Major trauma and illness insurance cover your household expenses, with a surplus for the best medical treatment available.Income Protection & Business Expense
A steady income is essential to maintain your current lifestyle and financial goals. Income Protection Insurance shields you from financial hardships if you cannot work or your income is significantly reduced. Our financial advisors will talk you through the benefits of this type of insurance and how it can safeguard your finances if your income is impacted. This insurance can also be structured using your superannuation fund, so it doesn’t interrupt your cash flow.Estate Planning
Not just for the elderly or terminally ill, estate planning makes good financial sense at any age. A pre-determined plan ensures your assets go to the right people, with a minimum of expenses, taxes, or stamp duties. Our advisors will discuss the intricacies and dependencies of your estate plan, including what will happen to your superannuation, jointly owned assets, company assets, trusts, proceeds of life policies, and more.Wills and Powers of Attorney
A will outlines your wishes for your estate and possessions after you pass. It may also include intentions for legal guardians of your children. A power of attorney is a trusted person you nominate to act on your behalf if you don’t have the capacity. Both of these are vital tools for effective estate planning. Our team can help establish wills and power of attorney documents according to your wishes, giving you assurance that your affairs are in order.Testamentary Trusts
Testamentary trusts are created by a will to provide greater control over the distribution of assets to beneficiaries. Our advisors will discuss the tax advantages of enacting a testamentary trust, how it can be used as an effective estate planning tool, and how it might benefit you.