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Personal risk insurance provides financial security and peace of mind for you, your family and your business
 As insurance advisers we can assist you with your income protection and life insurance enquiries. Personal insurance protects your financial resources. It protects your capacity to earn an income against the uncertainties that may lie ahead. Personal risk protection will provide peace of mind for you and your family.
Do I need advice?
You may be wondering if it would be cheaper trying to organise the insurance yourself as apposed to dealing with an adviser. On the surface this may seem like a good idea, but in the long run the right adviser will make life easier for you. You may be surprised to learn that dealing with an adviser wont necessarily cost you any more than doing it yourself. The right adviser will help and guide you in making an informed decision on the most appropriate cover for your situation. We believe that the right adviser will be there at the time of claim to help you deal with things when you may need it most. Click for quote.
Why insure my income?
Our experience is that most people insure their car, but they don't expect that they will have a car
accident. They insure their home but don't expect it will ever burn down. They insure their personal effects and home contents but don't expect to be burgled. Most people insure these material
assets, just in case. Why, because they are valuable. They, like you, have worked hard to earn their income and accumulate these assets. Yet for most people, their most valuable asset, that is there ability to earn an income - is often missed. This can be because they may not have stopped to consider the value of protecting their future income. But if they stopped to think about life without this income it would paint a very different picture. How would your life change if your income stopped because you cou
ld not work for an extended period due to a sickness or accident and your holiday
pay, sick pay and cash ran out?
So what can Personal Risk Insurance do for you?
The process of purchasing insurance should starts by evaluating your family's needs. Consider your current financial position and the goals you may have, then consider the level of protection you or your business will need. You should consider what would happen if you were to pass away or even beco
me sick or injured for an extended period of time. You may like to click here for informationon income protection or life insurance that will assist you to evaluate your own situation. If you would like information on "The twelve things you should know before applying for Income protection" complete the form to your right.
Determining your level of income protection, waiting period and benefit period or the amount of life insurance can be challenging for some. Choosing the correct insurance company and policy is an important decision, it can be complicated - even daunting. If you would like some advice, we can help. If however you already know the level of cover you need and would like a quote please click here and we will research the market for you and a
dvise you on the company that will suit you from our panel of insurers.
If you are a business owner, Business Protection is important. Remember that the correct type of business insurance, key man cover and the documented wishes (in the form of a business Will or buy sell agreement) will also effect your family.
If you would like an insurance quote, please complete our brief questionnaire so that we may provide you with premium options for your consideration. If however you would like some friendly advice contact us for a no obligation free appointment or feel free to call for some general advice over the phone
Robert Bonifacio is an Authorised Representative of Charter Financial Planning Limited ABN 35 002 976 294. Australian Financial Services Licensee No. 234665 Principle Address: 750 Collins Street P.O. Box 2830 Melbourne Victoria 3001 |
