Investment Strategies from Ethica Private WealthYour Sunshine Coast Financial Planning Specialists

You’ve worked hard to give yourself a good income. That income will play a big role in your lifestyle, and that of your family, for a long time to come. It sounds like something you’d want to protect, right? But under insurance is an issue facing an alarming number of Australians, from all walks of life. We face financial and non-financial risks every day, but many do not even give it a second thought.

Set against the backdrop of your financial plans, we uncover the gaps that may exist in being able to see those plans through if the main income earner had an accident resulting in death or disablement.

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The Importance of Life Insurance

A study conducted in 2011/12 by AMP/Natsem found it costs about $810,000 for the average family to raise two children from birth to age 21. For the average couple with two children today, the cost will be around $440 per week, or about 22% of the average gross household income.

The insurance we’re talking about is life insurance – the most common forms of which are death cover, total and permanent disability (TPD), trauma insurance and income protection insurance.

Life insurance isn’t just about protecting your family financially if you die. It’s also about protecting your lifestyle if you get sick or injured. So, if you can’t work for a while, or ever again, you’ve got a financial back-up plan.

See what insurance may apply to your situation:
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The team at Ethica Private Wealth Specialists would love to help with your investment planning and invite you to a free consultation to discuss your goals further.

Contact us on (07) 5443 5577 or complete the form below.

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Income Protection Insurance

Income protection insurance is one of the most relevant types of cover for professionals – including the self-employed. It can replace up to 75% of your income if you can’t work because of sickness or injury.

Business expenses insurance, which covers fixed business expenses like rent, electricity and non-income producing staff wages if you can’t work because of sickness or injury, is also tax-deductible.

If you run a business, you can combine these two types of policies to cover your work and personal expenses. And potentially reduce your tax bill.

Get the cover you need

When considering your personal insurance, we take into account factors such as your mortgage, ongoing expenses and future expenses such as the children’s education. We have a range of providers to choose from to help you get the right cover, and make sure it’s structured in a way that makes it as cost-effective as possible.

Discover more about life and business owner insurance by calling us on (07) 5443 5577 or completing the form below.

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