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Life insurance and disability insurance

Secure your financial future with life insurance and disability insurance

The glamour of creating wealth often takes priority over the more basic requirement – the need to protect it.

In instances of death, disease or trauma, your accumulated wealth can quickly disappear which can lead to severe financial hardships for your family. A clever financial plan is the best way to protect your assets in such a situation.

Disability insurance provides you with funds for rehabilitation, and therefore the ability to look after your family and your financial responsibilities, even if the worst should happen. As reputable life insurance advisors, we pride ourselves on bringing our clients the best policies to ensure that they’re covered adequately.

Our StrategyOne life insurance advisors provide advice that incorporates your current financial position and cash flow, your asset-to-debt ratio, and your investment and business interests. We provide professional financial advice in northern and eastern Sydney and surrounds, that will work for you and your assets.

Make the most of your existing financial services

Life insurance and disability insurance through your superannuation fund is known as group cover, which is an attractive option to people who may not otherwise be able to afford it, such as those with an existing condition or a high-risk occupation.

Book an exploration session for financial advice if you fall into either of these categories.

Often individuals are underinsured because of the impact that taking out cover has on cash flow. By insuring through a super fund, you can make sure you are appropriately covered without a major impact on day-to-day cash flow. Often the level of cover is set at a default amount and is frequently unknown to the recipient.

However, insurance through your superannuation fund has its disadvantages; namely, that the automatic or default level of cover may be insufficient, leaving you heavily underinsured.

Someone who leaves a group scheme later in life without some form of continuation right may have difficulty obtaining new cover. There may also be a delay in paying out your entitlement under group cover, which can cause problems when cash flow is an issue. StrategyOne can take care of your life insurance and disability insurance financial planning, ensuring that your cash flow stays steady whilst your superannuation insurance is put into place.

The alternative is insurance held outside of super. There are numerous plans available, and more coming onto the market every month. Our certified financial planners and insurance advisors can steer you through the pros and cons, and terms and conditions of all policies to ensure you choose the right one appropriate to your circumstances. We’ll provide you with the facts so you can make your own decision.

Why you need adequate life insurance and disability insurance

It is not enough to have insurance; the underinsurance gap for Australian families for death cover may be as much as $1.3 trillion according to the 2014 Rice Warner “Underinsurance in Australia Report” with the gap reportedly widening in subsequent reports. This gap is of great concern – at no other time is it more important for your family to be financially secure than following the emotional upheaval of your disability or death. Strategic financial planning will ensure that your level of insurance is suitable for you and your family.

Some insurance premiums are tax deductible, and others have lump-sum payouts that are tax-free. Our independent financial advisors at StrategyOne can advise on a plan that is suitable to your circumstances.

Life doesn’t always follow the best-laid plans, but peace of mind can be assured with the right insurance planning and cover. If you are looking for peace of mind from professional life insurance and disability insurance specialists, contact our financial planning experts today. We provide life insurance and disability insurance advice to clients from our offices in Potts Point and Chatswood and service the surrounding areas including the northern suburbs of Mosman, Lane Cove to Wahroonga and in the east from Sydney city, Bondi and all eastern suburbs.

General advice warning:

The advice provided is general advice only as, in preparing it we did not take into account your investment objectives, financial situation or particular needs. Before making an investment decision on the basis of this advice, you should consider how appropriate the advice is to your particular investment needs, and objectives. You should also consider the relevant Product Disclosure Statement before making any decision relating to a financial product. We recommend you consult a professional financial planner who will assist you.

Our FSG is an important document which provides information about us in order to help you decide whether to use our financial services and we encourage you to read the full FSG.

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Our company was established in 2004. We started as a small legal consultancy. have proved our competence
Abraham Jhone
Finacial Support
Our company was established in 2004. We started as a small legal consultancy. have proved our competence
Abraham Jhone
Finacial Support