Risk Insurance

When we think of wealth advice we often concentrate on investment strategies. While these are very important because they create wealth, it is equally important to put defensive strategies in place. Consider the consequences of not being able to work for a year as a result of an illness or injury, or the death of the family’s breadwinner. While nothing can compensate for the emotional loss that such a catastrophe causes, it is possible to minimise the financial loss to your family or business by putting in place appropriate risk insurance cover, such as:

Term Life Insurance

You can’t beat the odds forever

Term life insurance provides a lump sum payment for your family to ensure that the plans you had for them can be achieved. It also enables the financial obligations of your business to be met.

Total and Permanent Disability Insurance

Deal with the risk of a serious illness or injury

Total and permanent disability insurance provides a lump sum payment if you suffer a sickness or injury and are permanently unable to work. This will assist you to pay the additional expenses that arise as a result of an ongoing sickness or injury.

Trauma Insurance

Improve the hand life deals you

Trauma insurance provides a lump sum payment if you suffer one of a list of major medical traumas. This will assist you to obtain the best medical and rehabilitation care and also change your lifestyle if you wish.

Income Protection Insurance

Protect the jewel in the crown – your ability to earn

Income protection insurance provides a regular earnings replacement payment if you suffer a sickness or injury and are temporarily unable to work. This will assist you to maintain your lifestyle until you are able to return to work.

Business Expenses Insurance

Don’t gamble with your business’ financial security

Business expenses insurance reimburses the owner of a small, self-employed business for ongoing, fixed business expenses that continue to accrue while the owner is unable to work because of a sickness or injury.

RISK INSURANCE might be particularly important if you carry debt, have dependants, are self-employed, or if your income would not continue if you were disabled as a result of an injury or illness.

Don’t risk the financial future of yourself, your family or your business – take action today, ask yourself:

1. Do you have significant debts?
2. Do you have financial dependants?
3. Are you self-employed?
4. Are any of your assets geared?

If you answered ‘yes’ to any of these questions, we recommend you investigate risk insurance.

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• Financial Services Guide
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• Adviser Profile - Ken Ryan
• Adviser Profile - Bob Wonnacott
• Adviser Profile - Tony Lucas

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