Personal Insurance

Too many people insure their homes, their home contents, their cars and their boat but fail to insure their most important asset – themselves!
Your ability to earn an income is vital to your lifestyle, the meeting of your financial commitments, and to establish yourself financially in your retirement. Regardless of whether you are a business owner or an employee, you need to consider Life Insurance, Trauma Insurance, Total Permanent Disablement Insurance and Income Protection Insurance.

Life Insurance

In the event that you die, Life Insurance pays the policy beneficiary a lump sum to cover the extinguishing of existing debt, funeral expenses, and the maintenance of your family’s lifestyle.
The younger you are when you take out the policy, the larger the insured amount will need to be. Conversely, the younger you are when you take out the policy, the cheaper the premiums will be.
The amount of cover that you will need requires careful consideration and Melbourne Insurance Brokers can help you with the calculation of the amount that will leave your family well taken care of, and give you great piece of mind.

Total Permanent Disablement (TPD) Insurance

Similar to a Life Insurance policy, if you suffer a serious accident or illness that prevents you from earning your income, Total Permanent Disablement Insurance pays the policy beneficiary a lump sum to cover your medical expenses, the maintenance of your family’s lifestyle, and the extinguishing of existing debt,.
Melbourne Insurance Brokers will help you with the calculation of the amount that will leave you and your family well taken care of, and give you great piece of mind.

Trauma Insurance

In the event that you suffer a traumatic injury (such as in a car accident) or major medical condition (such as cancer, stroke or heart disease), Trauma Insurance provides a lump sum benefit which will relieve you of the financial burden caused by the injury or illness. Medical research shows that, without the financial worry, you will recover faster and be able to get back to work sooner.

Income Protection Insurance

In the event that you suffer an injury or an illness that prevents you from working for a period of time, Income Protection Insurance will pay up to 80% of your pre-injury / illness income, for a period of time.

Premiums are generally tax deductible and can be paid from your superannuation fund – ask us how.