Risk insurances protect you and your family financiallyÂ
Risk insurance policies serve as financial products designed to provide financial support to the policyholder in the event of specific contingencies, known as ‘insured events,’ such as illness or incapacity preventing the policyholder from working.
These insured events encompass a spectrum of possibilities, ranging from temporary and permanent illnesses to temporary and permanent injuries, along with the unfortunate circumstance of the insured person’s premature death. Essentially, risk insurances are a safeguard for your most vital financial asset—your good health. This underscores why they are typically considered the fundamental initial stride in any comprehensive financial plan. By insuring against potential loss of income or earning capacity, you create a protective shield, ensuring that the quality of life for both you and your loved ones can be maintained even in the face of unforeseen challenges.
Our array of risk insurance services encompasses death cover, total and permanent disability (TPD), income protection, and trauma cover. We collaborate with you to assess the specific type and amount of coverage you might require, delving into alternative strategies to fortify your defenses against financial setbacks.
Moreover, we guide you in navigating the intricacies of minimizing premiums, especially in a post-tax scenario, without compromising the integrity of your policy or the level of coverage you secure. In instances where cash flow may pose a constraint, we offer assistance in identifying avenues to secure insurance with minimal impact on your day-to-day income. As financial planners, we extend our expertise beyond insurance, helping you explore ways to augment your income, thereby rendering not only your insurance but your overall financial picture more sustainable and affordable.
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