Our offices in Ipswich and Hervey Bay can provide you with the best insurance advice including life insurance. Other insurance services apart from life insurance is, TPD insurance and income protection insurance. Our clients are telling us it is great feeling knowing that in the event of something unforeseen occurring, the financial side of their life is covered. Having life insurance makes the whole family comfortable and secure against the worst possible situation.
We have systems in place that make it easy for you to choose Life Insurance that is customised to your particular situation and budget.
Think about life insurance as a car or home insurance policy. When you pay your monthly premium for your life insurance, you make sure that if something goes wrong, your insurance helps to cover the financial part of your life.
A life insurance policy is a contract with an insurance company. In exchange for premiums (payments), the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries in the event of the insured’s death.
If you want to read independent advice from ASIC, go to life insurance. Feel free to write down some questions for us next time we speak.
There are certain aspects to look at when considering to purchase a life insurance.
E.g. who do you support and pay for at the moment? What are your assets and what would you leave behind if something happens to you? Life insurance also covers you for permanent disability as well. Read more here about permanent disability that we can include in your insurance.
To calculate the cover you need to make a list and up all the current items you are currently paying for. Remember to include yourself, your family, and any debts you currently have. Some examples can be, car repayments, Personal loans, mortgage on your house, credit cards.
We always include all the items your family needs even if you are not there to provide for them.
Examples of this can be:
We then take away items that your family can be without or do not need. Examples of this can be investment properties, cash, or stocks. Once we have done this calculation, we can get a good understanding of the cover you need.
Our advisors can give you a precise quote and let you know all terms and conditions, meaning that you can have it organised before you leave our offices, giving you immediate insurance cover.
Otherwise, since life insurance is very important and often needs more than one person’s input, you can go home and discuss it with your partner or children if necessary.
We encourage you to bring all parties to our meeting so that you can make a joint decision on life insurance.
Our staff have many years of experience giving advice on life insurance policies, meaning that you can be sure to receive the best possible life insurance advice. We are never far away, so give us a call or drop us a line to find out more about life insurance.