So you’re thinking about life insurance? Congratulations! That’s a great first step towards financial protection for you and your family.
Life insurance products protect you and your family from the financial consequences of sickness and injury. There are a range of different kinds of life insurance products available and it is important you choose the right products that suit your individual and unique needs:
How much do you need?
You and your family are unique. So are your insurance needs are as well.
There is no set amount of Insurance everyone should have, the amount you may need is calculated based on a number of factors such as your:
Income – how much you earn today (and tomorrow!)
Dependants – do you have children or other financial dependants?
Debts – do you have a mortgage, loan or other debts?
Assets – have you accumulated any assets over the years, like property or shares?
We will assist you in recommending the products and insurance amounts to suit you.
Life Insurance
Life insurance helps ensure your debts and dependants are taken care of in the event of your death. Life insurance provides you with the peace of mind that that your interests will be protected after you’re gone. Today, life insurance is much more sophisticated, but the basic concept remains the same: it provides a one-off payment if you pass away or are diagnosed as terminally ill. A life insurance payment can help your family continue to live the life you’ve planned together: And at a time when emotions are running high, life insurance can provide the people you leave behind with financial certainty and security.
Trauma Cover
Trauma cover pays you a one off lump sum after suffering from one of the specified major diseases or injuries covered such as a heart attack, stroke, cancer or loss of limbs or sight. Trauma cover has been designed to cover medical and rehabilitation costs, to provide for your family and help with lifestyle and employment changes. Recovery (trauma) insurance takes the pressure off, so you can spend your time focusing on recovering – not worrying about your finances.
Total & Permanent Disability Cover (TPD Cover)
Total & Permanent Disability Cover (TPD Cover) pays a lump sum if you suffer an illness or injury that prevents you from ever earning an income due to disablement. Because TPD Cover benefits provided under Superannuation plans is often not enough, TPD insurance is a lump sum payment paid to yourself and is used to clear out debts, provide funds for medical costs and income to maintain your lifestyle.
To find out more and speak to your local expert call us on 1300 1AZURE or click here to contact us.
Professional Investment Services Pty Ltd
ABN 11 074 608 558 | AFSL 234951
Head Office
Level 14, Corporate Centre One
Cnr Bundall Road & Slatyer Avenue, Bundall, QLD 4217
T: (07) 5574 0244
F: (07) 5574 0180
E: info@profinvest.com.au
GENERAL ADVICE WARNING
The information provided on this website has been provided as general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your Professional Investment Services (PIS) Authorised Representative before you make any decision regarding any products mentioned in this communication. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Professional Investment Services nor its related entities, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.
