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Blog

December 19th, 2011

What do you think is most worthy of protection in your life? Your house? Your car? Or your family?

You can protect yourself, your earning capacity, and your family from the impact of unforeseen events with the following types of insurance:

Income protection

What would happen if you were no longer able to work? What if you are involved in an accident or become sick?

Having income insurance will ensure that you can continue to pay your bills and expenses should the unforeseen happen. Income insurance will continue to pay you a monthly income and should help you continue to pay bills and avoid losing your house, car or lifestyle.

Life insurance

Do you have a policy in place that will provide your family with enough funds to manage your family financially should you pass away suddenly? 

Life insurance can provide financial protection for your family in the event of your death. A life insurance contract can be relatively straightforward – you agree to pay a regular premium and the insurance company agrees to pay a certain sum of money to your beneficiary upon your death.

This type of insurance is designed to help you continue paying the mortgage, children’s school fees, phone and utility bills, run your car, buy food and clothes, basically all of your day-to-day living expenses.

Total and permanent disablement (TPD)

TPD cover provides a lump sum payment if you’re totally and permanently disabled. This cover can help you pay for medical expenses, repay major debts and help provide for your future.

Although Life and TPD insurance cover is often obtained through your superannuation fund due to the cost effectiveness for members, the sum insured is often issued at a default rate that does not take into account individual circumstances.

It is therefore important to make sure you are adequately covered, and especially review your cover on a regular basis to ensure your ‘sum insured’ is still enough to cover your changing lifestyle.

Trauma insurance

Unlike health insurance, Trauma insurance provides a lump sum payment if you’re diagnosed with an insured medical condition or undergo an insured medical procedure. The types of conditions and procedures that trauma cover may cover you for include heart attack, major organ transplant, cancer, stroke and paralysis – to name a few.

When taking out trauma cover check the list of covered conditions and procedures, as each policy is different. Also talk to your financial planner about the difference between the definitions of trauma conditions and procedures that each insurer covers.

So, don’t leave things to chance. Protect yourself and your family in case the unexpected happens.

While many Australians insure their car, home and contents, their most valuable asset is often overlooked. You.

That’s right. You are your most valuable asset. Act today, before it’s too late, and get a FREE insurance review today with one of our Financial Planners by contacting PFG.

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We are confident that we will continue to receive excellent advice and services from PFG and have not hesitated recommending them to our families and friends.

Anna Hristodoulakis and Milorad Lazic

Accredited by AMP Financial Planning
PFG Financial Services Pty Ltd ABN 23 052 977 189 and PFG Global Pty Ltd ABN 50 679 416 839 trading as PFG Financial Services (Global) are Corporate Authorised Representatives and Credit Representatives of AMP Financial Planning Pty Limited ABN 89 051 208 327 Australian Financial Services Licence 232706 and Australian Credit Licence 232706. For further details including financial services we can offer you and how we are renumerated, please read the Financial Services & Credit Guide V 5.0 & FPFG Global Pty Ltd Financial Services & Credit Guide V 5.1 General Advice Warning: This website contains general information only. It does not take into account your objectives, financial situation or needs. Please consider the appropriateness of the information in light of your personal circumstances.