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Financial Planning & Advice

Risk Insurance

Insurance becomes an issue for all of us once we have such “things” as a spouse, children, mortgage, debt, dependents, financial obligations and living costs that can only be met from your own personal exertion income.

We are able to provide advice to you on the different types of risk insurance available, the different features of each and the costs of each type of cover.

Life can be a risky business but you don’t have to take unnecessary chances.

Get the ball rolling and contact us today to arrange an appointment to discuss your risk insurance needs.

Why Risk Insurance? 

Insurance becomes an issue for all of us once we have “things” as an investment portfolio, debt, mortgage, children spouse, dependents, financial obligations and living costs that can only be met by personal exertion income.

Once you establish cover it cannot be taken from you. Therefore, if you are a healthy 20-something year old, for example, who is compelled to take out insurance protection due to financial or family obligations, you will be happy to discover that if, in your 30’s, you develop an illness (diabetes, cancer etc) your coverage will remain intact.

However, if you wait until later in life to take out insurance and have been diagnosed with an illness or threat of an illness, you may find that cover will be most costly and be confined to limited circumstances outside known problems or you may be denied cover. So starting your policies and cover as soon as possible, even small policies, may benefit you in later years.

Who needs insurance advice (risk advice) and when?

  • upon marriage or divorce
  • purchase of a home or investment property
  • when debt levels change
  • starting or growing your family
  • people with extended families from multiple marriages
  • change of job or level of income
  • starting or selling your own business

Life can be a risky business but you don’t have to take unnecessary chances. There are 5 areas of risks insurance to consider;

  • Income Protection Insurance
  • Life Insurance
  • Total and Permanent Disability Insurance
  • Trauma Insurance
  • Business Insurance

How we Charge

Remuneration to us as advisors for the work and advice in relation to risk insurance products is paid direct to so by the particular product providers on a commission basis.

The rates of commission paid by the product providers are largely the same so there is no advantage in us choosing a higher commission payer. 

As mentioned earlier, we are under no obligation to promote particular products or product providers which enable us to choose the products that best meet your specific and individual financial planning needs.


Contact us today to arrange an appointment to discuss your risk insurance needs.