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Click here for a free income protection
insurance quote.
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 could 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 become 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"just click here.
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 advise 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 Guardianfp
Ltd trading as Guardian Financial Planning. Australian Financial
Services Licence No. 237641
 
Essential FS Pty Ltd ACN 117
458 670
Site last edited May 2009 | 