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The ‘big moments’ in life are sometimes planned, such as a marriage, the arrival of a baby, or a new job offer . . . but then there are other moments that can take us by surprise. Having adequate financial protection in place can give you peace of mind, knowing that in the event of your death or terminal illness or inability to earn an income, you can help ensure your family will be financially looked after.


There are 4 overall components of a great insurance policy.
1. A trigger to why you need insurance
2. Next level up is the need for Insurance
3. The use of an Advisor
4. Underwriting – knowing who the company is insuring

Typically someone has to have a reason to apply for insurance, even though I believe that everyone should have personal risk insurance because life happens. What we usually see someone has a trigger whether, some debt, a life event, such as, a baby, a death or an illness. These events typically trigger someone to think about how would they survive in life financially if something was to happen to them?

The next level up is the need for insurance. Once you’ve been hit between the eyes with that trigger, people respond differently and may go after the next TV ad for insurance or think differently. Jumping on the next commercial and signing up whether it’s right or not.

The next level is that you may look to a professional. With a mindset that we have to get this right, it is too important to leave to chance. Therefore you look for an advisor, which is the next level.

A Diagnostics and Finance advisor is here to help you take the heavy lifting of the application and coordination with the underwriters. You will access the expert knowledge of the insurance options and work with you on the right outcome.

Underwriting is a must. If you’ve seen the funky TV ad and you’ve not had an advisor, you probably don’t even know what underwriting means. It is a must that you understand that every insurance policy for life insurance and income protection will have underwriting at some point. One type of insurance which does not have upfront medicals will look at it at the time of claim, and the other will have up front medical questions/maybe medicals as well.

Underwriting up front is where the insurer understands who they’re insuring before they insure you and which means that their success rate for coverage is a lot higher versus the alternative.

Instead of running the gauntlet have an advisor.

Having a need for insurance and typically been triggered off to get insurance is the next step to being able to have good coverage now on this website, you’ll find a brief explanation of some of the types of covered that are available.


Protect the ones you love

Life Cover will provide a lump sum benefit in the event of death or terminal illness. You choose the level of cover at the time of application that best meets your circumstances and budget. The funds could be used to repay debts such as the mortgage, invest to create a future income stream, meet education and/or childcare expenses, help with estate planning or business buyouts.



Protecting Your Ability To Earn An Income

If your income stopped today, who would pay your bills? Your partner, your parents? Or do you have enough savings to meet your day to day living expenses? If the answer is no, you should consider income protection insurance. Your ability to earn an income is one of your most valuable financial assets, and worth protecting.

The solution is simple

Income Protection Cover is designed to provide you with an ongoing monthly income if you are unable to work due to sickness or injury. You can usually cover up to 75% of your income plus superannuation contributions.


Protection when you need it most

We are living longer and surviving serious illnesses like cancer, stroke and heart disease that would have once resulted in an early death. This is great news and a lump sum payment upon diagnosis will ensure you can focus on your recovery, rather than worrying about the impact on your financial situation.

The solution is simple

Trauma Cover will provide you with a lump sum benefit if you are diagnosed with one of the specified medical conditions. 


Protection when you are not able to work again

Being unable to ever work again due to total and permanent disability would have a serious emotional and financial impact on you and your family. Having adequate cover in place for such an event can help secure your financial future and give you peace of mind.

The solution is simple

TPD Cover will provide you with a lump sum benefit in the event of total and permanent disability as a result of sickness or injury.


Keeping your future safe

We know there’s nothing more important than you and your family’s financial security and independence. But we also know that for some people, health conditions can make full protection for injuries expensive or even unavailable.

The solution is simple

Accident Covers offers a comprehensive range of accident covers to make sure you and your family’s future is financially secure in the event of a serious accident. Accident Cover is not subject to a medical assessment which means it may be a practical alternative if you have health conditions that make Life, TPD and/or Income Protection Cover expensive or unavailable.



Protecting your business

Being in business ourselves we understand the pressure small business owners and the self-employed are under. With the success of your business relying on you, and so many regular expenses, the thought of having to take time off due to sickness or injury can be frightening.The solution is simple

The solution is simple

Business Expense Cover provides you with an ongoing monthly benefit to help cover the day to day fixed expenses if you are unable to work due to sickness or injury.

This cover is designed for short-term periods of disablement. If the nature of your disability is more serious, then 12 times the monthly benefit may help keep the business afloat in the interim and give you time to get your affairs in order, which may include preparing the business for sale.

Ideally suited for businesses with up to five staff, Business Expense Cover helps you take care of your commitments, while you focus on what matters most: your recovery.


Protecting those most dear to you

We know your number one priority is protecting and providing for your children. You work hard to give them the best, and understand the impact on your family’s future if something were to happen to you. But what we don’t often think about is how our lives would change if one of our children suddenly became seriously ill or was injured.

The solution is simple

Child Cover will provide a lump sum benefit if your child is diagnosed with a specified trauma condition, becomes terminally ill or passes away. In the event of your child suffering a trauma this financial support could help cover medical expenses and help give your child the best chance at recovery.

General Advice Disclaimer:
Information is provided under General Advice. Any advice contained in this material has been prepared without taking into account your objectives, financial situation and needs. Before acting on this advice you should consider the appropriateness of the advice having regard to these matters.

Aaron Whybrow is an Authorised Representative No. 1250623 of Consilium Advice Pty Ltd ABN 86 158 826 647 AFSL No. 424974