Life Insurance

Risk Protection protects you in FOUR important ways:

In the event of DEATH
In the event of a SERIOUS ILLNESS OR ACCIDENT
In the event of TOTAL AND PERMANENT DISABILITY
In the event of your INABILITY TO EARN AN INCOME

With the exception of death these events are not certain and yet they may be more prevalent than you realise.

Is your family fully protected in the event that the main or supporting ‘breadwinner’ dies?
Are you certain that you will have enough money to protect your assets and family’s future income needs?
If you were to suffer a heart attack or some other major illness or accident would a lump sum payment of say $250,000 help to put your mind at rest?
If you are unable to earn your regular income as a result of disability, for a period of say 12 months, how long would they survive on current savings, holiday pay, etc?

These are the sort of questions that you may not have considered before. If so you may have decided that it wasn’t a high priority or that it wouldn’t happen to you because you were ‘fit and healthy’.

The other interesting fact is that while people automatically insure their car and house they seem reluctant to protect their income and lifestyle.

The reality is that Risk Protection is so named because of the very real Risks involved in life. There really is no sure way of knowing when one of the events described above might happen to you.

To ensure that you are protected, you must consider your Insurance needs as an important part of your Financial Plan.

Download risk insurance pdf