Have you considered...

...who would pay your bills if your income stopped? For eg putting food on the table, petrol in the tank, paying your mortgage and generally giving you the means to maintain a reasonable standard of living.

...the cost of medical treatment if you are diagnosed with a serious illness?

...how your family would financially & emotionally cope in the event of your premature death?

Below is a summary of the different insurances available, and descriptions of what they will cover you for. For more detailed information, you should refer to a current Product Disclosure Statement.

> Income Protection / Sickness & Accident Insurance <

Provides you with up to 75% of your income (paid on a monthly basis) if you become unable to work due to a sickness, accident, illness or injury. Cover is provided 24 hours a day, 7 days a week. Premiums are generally tax deductible. Did you know Workers Compensation only protects against Accidents whilst at work? Therefore accidents away from the workplace, or any sickness / illness is NOT covered by workers compensation.

> Life Insurance <

Provides a lump sum payment in the event of your death or diagnosis of a terminal illness. Funds may be used to payout debts, and leave your dependants with enough money to invest to provide an income stream.

> Serious Illness Insurance / Trauma Insurance <

Provides a lump sum payment upon diagnosis of specified events, such as Cancer, Heart Attack or Stroke. Funds may be used to payout debts or pay for medical expenses / treatment.

> Which Ones Do You Need? <

A needs analysis will enable a recommendation to be made regarding the types of cover you require. For example, some people may only require Life Insurance, while others may require a combination of various covers. Contact our office for further information.

The above information has been generalised. Full details of the cover provided under each type of cover and their exclusions, conditions, additional benefits and definitions are available in the full business/commercial insurance policy. A policy wording is available to on request.

If you would like further information in regards to this product, or a proposal form, please contact us here or phone 02 4954 3655.

This information provides general advice and therefore it has been prepared without taking into account any of your personal objectives, financial situation or needs. Before acting on this advice you should consider the appropriateness of this advice and obtain a Product Disclosure Statement