Have you ever had a sleepless night because you were up worrying about what would happen to your family if you were unable to work to provide an income, or if you died? While most of us don’t seek out hazardous activities that increase the risk of life-threatening injury to ourselves, how many times have you heard about freak accidents that have come out of nowhere? And what about unexpected illness? The Cancer Council of Australia reports that 1 in 2 men and 1 in 3 women are diagnosed with cancer by age 85.  

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Let’s face it - the reality in life is that unexpected events occur and we just have to deal with them. However, there are some events that are so damaging in consequences and emotional stress, that the last thing you want to have to worry about are the financial impacts. Jessica's* husband passed away, leaving her with 3 children under the age of 10. Jessica had stopped working to look after the children following the birth of her first child. With the sole income earner now gone, on top of dealing with the emotional stress of losing her husband, Jessica had to face the financial implication of raising 3 children alone. Fortunately we had developed a well thought-out protection strategy with her husband called “Plan B”, ensuring Jessica received a sufficient personal insurance payout so that she could continue to concentrate on bringing up her children.

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When it comes to insurance, most people believe that they are well covered by their superannuation fund or that they can just sign up by telephone to an insurance policy being advertised on television. Unfortunately, it isn't that simple, with superannuation funds and most readily available insurances often not providing the right coverage or adequate payouts when you and your family need it most.  

 

Are your financial affairs prepared to deal with the impact of unexpected events? Look out for you and your loved ones by putting safeguards in place to shield you in the event of accidents, illness, disability or death. Protect your financial security and the people who matter most to you. We can show you how.