Personal Insurance

Would you like to protect yourself and your family from financial hardship in the event of an unexpected accident or illness?

Tell us about your financial situation and your requirements and we will tailor a competitively-priced risk protection solution to meet your needs. We are accredited with over 10 leading insurance companies – including among others AMP, AXA, MLC, Zurich, ING, Aviva and Asteron. We provide a full range of personal insurance cover, including:

 

Life Cover
This type of insurance provides a lump sum payment to your nominated family members or to your estate in the event of your death. Under the terms of many life policies all or part of the benefit may be paid should you be diagnosed as terminally ill. Life cover can be taken by you as an individual or by your superannuation fund.

 

Total and Permanent Disablement (TPD) Cover
This type of insurance provides a lump sum payment if you become totally and permanently disabled. The benefit is normally provided as an advance payment of a death benefit or on a stand-alone basis.

TPD insurance may be taken by you as an individual or by your superannuation fund, however the cover offered by a TPD policy owned by a superannuation fund is restricted compared to the cover of an individually-owned policy.

 

Trauma Cover
This type of insurance provides a lump sum payment in the event of you being diagnosed with one of a specified range of critical illnesses or injuries. The list of conditions covered and the definitions vary between companies and product options. The benefit can be provided as either an advance payment of a death benefit or on a stand-alone basis.

Income Protection / Salary Continuation Cover
This type of insurance provides you with a regular source of income should you be unable to work for a period due to sickness or injury. You can generally insure for up to 75% of your gross salary and there are a number of options available relating to waiting periods and benefit periods

Business Expenses Cover
This is a specialised form of risk insurance designed for people who are self employed or in a partnership. It provides for a regular payment to cover the fixed costs of running the business should you be unable to work for a period due to sickness or injury.

Superannuation

Would you like to take control of your super and use it as a long-term tax effective wealth creation tool?

We offer an extensive range of superannuation options through leading providers such as Colonial FirstState, BT, Perpetual, Macquarie, MLC, AXA, ING, AMP and many others. We will tailor a superannuation plan to suit your goals and your risk profile and review it from time to time to make sure you stay on track to achieving your financial goals.

 

Secure Retirement
Australians are lucky to benefit from a social security safety net that includes the age pension, however the age pension alone can only provide a very basic standard of living. Superannuation, thanks to its preferential taxation treatment, provides an ideal long-term wealth creation vehicle to secure a comfortable retirement.

 

Superannuation Strategies
There are a number of superannuation strategies which can assist in boosting your retirement nest egg. One of them is salary sacrifice, where part of your salary is taken in additional superannuation contributions rather than in cash. This can result in significant tax savings which help accelerate the accumulation of your retirement nest egg.

 

Other strategies can be implemented to take advantage of Government initiatives such as co-contributions, tax offsets and income splitting. Depending on your financial situation these strategies may be utilized to help provide for a secure future.

 

Investment Strategies
It is essential that your superannuation fund employs an investment strategy that suits your risk profile, financial situation and personal circumstances. Superannuatiuon can be used to diversify your investments into asset classes such as Australian shares, international shares, property, fixed interest and cash.

Investments

Looking for tax-effective investment options?

 

We offer access to an extensive range of managed funds which enable you to invest in asset classes such as Australian Shares, International Shares, Local and International Property, Fixed Interest and Cash. With hundreds of investment options available you can tap into global investment markets while reducing your risk through diversification.

 

Diversification
Many stock market investors enjoy some initial success in picking individual stocks. However, as time goes by and the market goes through its cycles, most share investors find out that it is not easy to outperform the market consistently, year after year. Managed funds can assist in reducing the downside risk through diversification.

Australian Shares

The Australian stock market has a strong long-term track record. It can provide exposure to a large number of internationally competitive companies in the resources, financial services, banking, healthcare and property sectors. For an Australian investor there is the added advantage of access to franking credits that further enhance the long term investment returns.

 

International Shares
The Australian stock market makes up only about 2% of the total market capitalization of global stock markets. Investment in international shares enables you to tap into the growth potential of the remaining 98% of global markets. It also enables you to invest in sectors that are under-represented in the Australian stock market such as IT, aerospace, automotive industry and consumer products.

 

Property
Direct property investment is predominantly focused on residential or small commercial properties. Managed funds enable you to invest in commercial property such as high-rise office buildings, major shopping centres and large-scale industrial properties. It also enables you to invest in property outside Australia and further diversify your portfolio.