Do you have an existing insurance policy you have not reviewed for a while? At A&T Financial Advisers we can review your existing policies to ensure they remain appropriate to your current situation.
Most of us have insurance for our car and our home, and health insurance to cover time in hospital and visits to the dentist or optometrist. Many, however, don't insure themselves against the risk of losing their life, or their income, either temporarily or even worse, permanently. Could you absorb the costs associated with a serious health incident?
Complete our online insurance quote details and one of our advisers will be in contact to discuss this further.
Review of existing policies
Total Permanent Disability (TPD) Insurance
Trauma / Critical Illness Insurance
Life insurance is all about giving the people you most care about the financial security if you're no longer alive to support them. If you die or become terminally ill, it pays a lump sum benefit to you or your loved ones.
Having the right level of cover helps ensure that your family are financially protected. Life insurance can help your family cope with major household expenses, such as paying off the mortgage, education costs and funeral expenses.
TPD Total Permanent Disability Insurance
Total and Permanent Disability (TPD) pays you a lump sum benefit if you become totally and permanently disabled, in most cases this means you are unable to return to the workforce.
TPD insurance can be used to pay off debt, pay ongoing medical expenses, make necessary home modifications, or hire home care services such as nursing, cleaning and cooking.
Trauma coverage also commonly referred to as Crisis or Living insurance pays a lump sum benefit in the event that you suffer a specified injury or illness such as cancer (in some cases including melanomas), stroke or heart attack.
Income Protection Insurance provides important coverage of a portion of your monthly income if you are unable to work due to a sickness or injury. This monthly benefit can be paid for the period of time you are off work and potentially up until age 65. The monthly income protection payment is designed to assist in helping meet your day-to-day living expenses until you return to work.
Buy/Sell Insurance Arrangements
Buy/Sell insurance is designed to provide a safeguard if you or one of your business partners die or becomes permanently disabled and are unable to stay in the business
The lump sum benefit helps ensure that the remaining owners can acquire the departing owner's share and continue running the business.
We are able to offer access to AIA Vitality a health and wellness program designed to reward you for maintaining a healthy and active lifestyle. Benefits includes discounts on insurance premiums, up to 50% off Qantas flights (two per year), weekly vouchers for iTunes, Woolworths, Boost Juice etc, plus gift vouchers for reaching certain targets (up to $650 of vouchers per year).
Contact us to discuss your insurance needs