You can’t predict the future, but you can protect yourself for the unpredictable.
It’s important you are not exposed to financial risk through accident or misfortune as this could jeopardise both your present and future plans. In simple terms, if you cannot financially afford to lose something, you should protect your exposure to that potential loss. Insurance can provide a cost-effective method of providing that protection.
CA provides a comprehensive assessment of your life insurance needs, taking into account:
- Whether you have a need for insurance;
- What types of insurance are appropriate for you;
- How much cover is needed; and
- Whether any existing policies you hold are still competitive.
What personal insurances are available?
If you die, your mortgage and other debts can be cleared. Your spouse and children can be provided with an income they need to continue their lifestyle.
Total and Permanent Disability (TPD) cover
Money is the last thing you want to be thinking about when faced with a lifelong disability. TPD cover will make this a less stressful time for you and your family. A disability lump sum can help clear any debts and provide a replacement income.
Nobody likes thinking about the possibility of dealing with a serious illness or injury in the future. Trauma cover helps you make the adjustments necessary to continue enjoying life after a serious illness or injury. This cover can be designed to cover the average cost of a critical illness (cancer, stroke, etc.), or clear debt and provide future capital.
It could be as common as breaking your arms in a car accident and not being able to work for 3 months or something more serious such as a mental illness or a stroke which means you aren’t able to return to work for a long period, if ever again. How can you have a Financial Plan if you don’t protect your biggest asset?
Get Started today! Book an appointment with a CA Advisor
Carole was fantastic throughout the process of restructuring our loan. She got us a great deal and explained all the features and how we could use them. I had plenty of questions along the way and Carole answered them promptly and simply. I would recommend Carole to anyone seeking a new mortgage or financing an existing loan. Ben Harper, Nestle – Demand & Supply Planning Manager