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

What about your on-going expenses?
Repaying your debt is only one part of the solution.

Generally, families rely on a regular income to provide their living and eduction expenses, as well as toys, schools uniforms and the latest sneakers! But what happens if this on-going provision is interrupted?

Death, permanent disablement or the occurrence of a serious medical condition of a household earner, can very quickly upset a family and its finances, and its way of living. If something should happen to household income earner, the emotional strain could be very difficult. Through careful planning, there is no need for this situation to be made worse with financial worries.

How does the strategy work?
Firstly, you will need to sit down and list your family’s financial needs such as household expenses, loan repayments, children’s education and so on. You then need to consider how long you would like you family to be financially supported should anything happen to you.

Once you have decided on an amount, you can then consider death, total and permanent disability and critical illness protection, which could provide a lump sum amount to start a future income stream for your family.

The benefits
	You can provide a more financially secure environment for your family.
	You can relax knowing you have taken an important step in protecting your family’s financial future.
	The invested lump sum can be used as the primary source of generating an income.

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