Death and total & permanent disability Your income Ongoing care for your family Eliminate debt on death or disability Don't underestimate Estate equalisation

The value of the homemaker
In many families, there is someone who is predominantly the homemaker and child carer - without them the family is often lost.

Think about the cost of hiring someone to take their place. Their financial worth is a lot more than most people expect, with costs of child-care and home help. Yet surprisingly, the homemaker is often neglected when it comes to protection.

Generally, a breadwinner will have two choices if something happens to the homemaker. They can take leave from their own job to look after the household, or employ someone else to do it.

Both options will have a negative impact on the household income, even before you account for the spiraling medical costs if the homemaker becomes critically ill or totally disabled.

How does the strategy work?
Death, total and permanent disability and critical illness protection can provide a lump sum payment upon the occurrence of one of these events to help meet the household budget. A protection portfolio can provide you and your family with a financial lifeline to get the help you need.

The benefits A lump sum payment may be used to:
	Cover the cost of medical expenses associated with disablement, serious illness or the death of a spouse.
	Support the family by paying additional expenses such as child care, nursing care or housekeeping.

For more information contact us by phone (08) 8279 3333 or by email