Integrated Financial offers the following services on consultation:

Loan Protection
If you were to pass away or become disabled, these liabilities could become a financial burden for your business, your estate and dependants.

Often a loan document will specify that the debt is to be repaid immediately upon the death or disability of the owner. In this situation you can use Death, Total and Permanent Disablement, and Critical Illness Cover, to at least ensure that your total business debts can be repaid in full.

Key Person Protection
Running a small business can be risky. A Key Person’s death, disablement, sickness or injury could seriously risk the ongoing viability of a business. Key Person Protection can be implemented to minimise the loss of a valuable employee on the business. For more information click here.

Business Succession
Protects the Business Owners to ensure the continuous smooth running and ownership transfer of a business.

Business continuation plans, including buy/sell agreements, can be vital in these situations. They essentially help the Business Owners to put in place a plan of action that can be implemented should one of them pass away, or be unable to continue participating in the business due to a major disability. For more information click here.

Estate Equalisation
This protection ensures that in the event of your death, your estate will have the funds necessary to make the equitable distribution of your assets, that you would prefer. Death Cover Protection can be an effective tool to help you achieve these goals. For more information click here.

Business Expenses Protection
Ensures protection for the portion of the Business Owner’s expenses for which they are responsible, will be able to be met should they be temporarily unable to work due to a disability. For more information click here.

Income Protection
Income Protection is designed to provide a regular income in the event that if you were to suffer an injury or an illness, the ability to meet day-to-day living needs can be adversely affected. Even if the illness or disability suffered is only temporary, your long-term plans can be seriously impacted. For more information click here.

Death Cover
Death Cover can be critical to help secure a families financial future. It will be needed to help with areas such as the repayment of loans, the cost of children’s education, long term care, providing funds for investment to generate an income and the covering of future needs.

Death Cover Super
Death Cover purchased through a superannuation fund can be tax deductible. You can fund the premiums via a tax deductible contribution, if you are self-employed, or out of your employer contributions made to a superannuation fund. Death Benefits may also be paid tax free to certain recipients (spouses) up to generous limits.

Total and Permanent Disability
Total and Permanent Disability (TPD) Protection will provide a lump sum payment should you suffer an illness or injury which totally and permanently prevents you from working again. For more information click here.

Critical Illness Protection
Critical Illness Cover or Trauma Protection provides a lump sum benefit in the event that you suffer a critical condition. Critical Illness Cover is designed to help you financially recover from a trauma or crisis, such as a heart attack, stroke, cancer or other life threatening conditions.

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