Insurance Advice

While many people insure their home, car and possessions, it is arguably even more important to make sure your family and lifestyle are protected from financial misfortune.

Without a regular income, it can be a challenge just paying for everyday household expenses like groceries and power bills, while ongoing mortgage repayments or school fees can quickly eat away any savings.

Worse still, if you’re self-employed and can’t work because you’re ill or disabled, you could be faced with the added pressure of the business bills rolling in.

Learn about the types of personal risk insurance.

We help decode the various insurance policies and find the right mix of cover to suit your needs.

We outline the pros and cons of waiting periods, different insurance providers and premiums.

We ensure your current level of income is protected should the unexpected happen.

We aim to ensure your family have financial security for if you need hospital recovery.

We help you understand policy ownership.

What is Personal Risk Insurance?

Personal risk insurance is an important way of assisting you and your dependants to be financially supported in the event of serious illness, disability or death.
If your ability to earn an income is affected, a personal risk insurance policy may enable you to maintain your current lifestyle and continue supporting those who depend on you.

Why Do I Need It?

Events such as serious illness or death can have both emotionally and financially devastating consequences. If the unexpected occurs, having personal risk insurance can go a long way to helping you and your family meet your basic living expenses such as your mortgage, groceries, petrol or school fees.
Depending on the event, you may also need to cover significant medical expenses, rehabilitation, modifications to your home or services to help maintain your lifestyle.

How We Can Help

Insurance, including Personal, Death, Total & Permanent Disability, Trauma, and Income Protection, can be complex, with many different options and levels of cover from which to choose.

We can help you decide which cover is right for you and what issues you need to consider.