Personal

Risk Insurance

Protect your family with a Personal Risk Insurance portfolio from Thomas Cardwell

DID YOU KNOW you have a one in three chance of becoming disabled for more than three months before you reach 65?

DID YOU KNOW that only four out of every 100 Australians have the right kind of life insurance and coverage?

DID YOU KNOW that over half of all Australian families would find themselves in financial difficulty just a year after losing a breadwinner’s income?

DID YOU KNOW that only 15% of Self Managed Super Funds have adequate cover for their members and that most have no cover at all?

You’ve protected your car and your house, but have you protected the people that you love and who rely on you?

Accumulating wealth through a carefully managed investment portfolio is a great investment in your futureand it’s something that we are happy to help you with creating and managing. However, what happens to all your careful planning if you become injured or sick, and are unable to work – or even worse, die?

It’s not something that we like to think of, but life can change in a blink of an eye, and the last thing you want is to leave your loved ones to pick up the pieces in your absence. You might have to deal with a temporary or permanent loss of income (should you be unable to work) and significant medical, pharmaceutical, and rehabilitation bills, on top of your usual month to month expenses like school fees, mortgages and groceries. Without a plan in place you might have to sell the family home, and other assets just to pay off any outstanding debts and keep afloat. If this situation turns out to be permanent,it will impact the rest of your life, as well as that of your immediate family.

If you’re responsible for looking after your family and keeping a roof over their heads, then protecting yourself is critical. As a member of Australia’s CPI Group of Companies,we can help you to work out a risk protection strategy that will be cost and tax effective, whileoffering protection to the people you love through a personalised risk insurance product which we will tailor to meet your and your family’s current and future needs. This can include both coverage for trauma, total or permanent disability, or death, as well as income protection and business expenses.

If you are interested in exploring your options, we recommend that you to get in touch with us today so we can create a personal risk insurance portfolio for your peace of mind.