Personal Insurances

We all know of someone that has been impacted by the injury or death of a loved one. We all hope that won’t happen to us but what if it does?

Protecting your income and being able to provide for your family if you can no longer work, or in the worst case no longer here, is something that often keeps people awake at night. As part of any comprehensive plan, ensuring you have the right protection in place is of the utmost importance. Balancing the cost of premiums and be aware of how they impact your other goals is also a key consideration. Again there are a lot of complexities with insurance and firstly reviewing what you have, understanding what you need and then exploring what you can get and at what cost is a extensive process and requires years of knowledge and experience.

Insurances are there to protect you and your family when you need it most

Some of the different types of personal insurance include:

  • Life insurance
  • Trauma insurance
  • Total and permanent disability cover (sometimes included in life insurance)
  • Income protection

At Brisbane Financial Services we can help you choose an insurance plan that is aligned with your goals.

Peace of mind for your loved ones

Should something ever happen to you, personal insurance is there to provide financial security for you and your family. Find out about the insurance options available and some of the things you should think about when it comes to protecting what’s most important to you.

Choosing the right insurance

Choosing the right type and the right amount of insurance is a good way to make sure that if anything were to happen, you and your loved ones would be looked after financially. There are four types of personal insurance you should understand. These include:

Insurance and super

Income protection, TPD and life insurance are available through most super funds.

While you may already have some insurance through your super fund, you need to make sure the type and amount of that insurance is suitable for your circumstances.

Life insurance

With the right amount of life insurance you can feel safe knowing that your loved ones will be looked after financially if you were to die or become terminally ill.

Dealing with the death of a family member is never easy but with life insurance your beneficiaries can receive a lump sum payment to help them financially during a difficult time.

  • Tailor your plan to suit your individual needs
  • Choose the level of protection you require
  • Financial protection for your loved ones in the event of your death

Total and permanent disablement cover

Total and permanent disablement (TPD) cover provides you with a lump sum payment if you become disabled and you are unable to ever work again.

Having a financial safety net in the event of disability can help ensure that you and your family are provided for during this difficult time.

  • Tailor your plan to suit your individual needs
  • Choose the level of protection you want based on your personal needs
  • Benefit from a lump sum payment if you were to become totally and permanently disabled which can be applied as you like, such as to help with your medical costs and living expenses

Income protection

How long would you be able to sustain your lifestyle and meet your financial commitments without your regular income?

Income protection insurance pays a monthly benefit of up to 75% of your regular income, if you’re unable to work due to sickness or injury.

  • Insure you for up to 75% of your income
  • Provides you with a replacement income stream to help you stay afloat
  • Provides different benefit payment periods up to age 70

Trauma cover

What would happen to you and your family if you were unable to work for 6 months?

Who would pay your bills? Could you cover your home loan repayments?

Trauma cover provides you with a lump sum payment if you’re diagnosed with a specified medical condition, serious injury or undergo a medical procedure, as outlined in the product disclosure statement. Trauma cover usually helps with certain kinds of heart attacks, major organ transplants, cancers or strokes, just to name a few.

  • Tailor your plan to suit your individual needs
  • Benefit from a lump sum payment if you’re diagnosed with a specified medical condition or serious injury, or undergo a specific medical procedure outlined in your policy
  • The benefit can be used to help you pay the costs of rehabilitation, medical expenses and outstanding debts while you recover

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