Risk Insurance

Unexpected events such as redundancy, ill health or even family problems can force people from the workforce earlier than expected. Effective planning requires you to keep contingencies in mind, and to be equipped to deal with life's unforseen derailments. Insurance is effectively a means of transferring risk from an individual to an insurer. Having the appropriate insurance in place provides confidence and peace of mind because of the protection it affords.

Our comprehensive software packages allow us to analyse a vast range of insurance options for clients. This software combined with a detailed analysis of your personal situation will enable us to determine the most appropriate insurance requirements to meet your personal circumstances. Structuring of your risk insurance ownership is essential because of the various taxation traps and pitfalls; for example, claiming a tax deduction in the wrong structure may mean any payouts are subject to income tax.

Areas that may be addressed include:

• Risk Management Strategies
• Life Insurance 
• Total and Permanent Disability (TPD) Insurance 
• Trauma Insurance 
• Income Protection Insurance 
• Salary Continuance via Superannuation 
• Business Expenses Insurance