Income Protection Cover.
This insurance policy that replaces up to 75% of your income, if you are unable to work due to illness or an accident. It doesn’t matter whether or not you have children or other dependants – if illness would mean you couldn’t pay the bills, you should consider income protection insurance. You’re most likely to need it if you’re self-employed or employed and you don’t have sick pay to fall back on
ARE OUR PRIORITIES RIGHT?
83% of us have care insurance yet only 31% of us insure our income Did you know 20% of mortgage defaults are due to ‘illness or accident in household’ Source:: lifewise.org.au Income protection does not pay out a lump sum but instead replaces a certain percentage of your income usually 75%. It’s about protecting what’s most important in life.
If you would like more information on this subject please ask our team for best Critical Illness insurance advice in Australia.
Ethical investing is choosing where to invest money based on ethical or moral principles. It is dependent on the person because it revolves around applying your individual values, which include social, moral and religious beliefs and decisions.
THERE IS NO MARKET OR GOVERNMENT DETERMINED NAME FOR THIS TYPE OF INVESTING DUE TO ETHICS BEING A VERY BROAD AND SUBJECTIVE TOPIC. THE NAME OF ETHICAL INVESTMENTS MAY GO UNDER OTHER ALIASES SUCH AS SOCIALLY RESPONSIBLE INVESTING, IMPACT INVESTING, VALUES BASED INVESTING, CONSCIOUS INVESTING AND GREEN INVESTING.
Each type may slightly
differ from the next based on the focus of the investment strategy, but the
general principles of them all are very similar.
In general most ethical investments comprise
of investments in companies with products such as, education, sustainable
products, healthcare and renewable energies – And they don’t invest in other
investments and companies that are harmful to the environment, exploit workers,
produce weapons or tobacco, or offer gambling services
Our Insurance Policy
We believe it is essential that our
analysis and research is customised to each client. The detail can be extremely
important when it comes to insurance cover and this is why we conduct a
We value accurate amounts of cover,
so you are not over insured. We research a range of providers to ensure you
receive a competitive market rate.
We value optimising the structure of
your insurance to ensure you achieve your financial objectives in the short and
We believe the less wealth you have
the more important it is to have protection as any financial burden placed on
you and your family by accident or illness can be devastating.
The premium structure of your cover
can also make significant differences to your wealth over time. For this
reason, we believe in optimising a combination of stepped and level premiums to
suit your situation.
- Educate you about your options, explaining risks and probabilities
- Investigate your personal health and employment circumstances
- Evaluate your personal risks and insurance preferences
- Calculate your insurance strategy
- Research a panel of insurers to find a cost effective solution
- Make a recommendation for cover with a specific insurer
- Manage the implementation of your insurance recommendation
- Monitor your cover in accordance with your life changes and modify policies when necessary
Partners In Planning are privately owned, not tied to any financial institution, do not accept investment or superannuation commissions, and always put your interests first.
See you soon! 1300 880 100
We have office in Cheltenham
/Mornington/Brunswick and Geelong
Any advice in this publication is of a general nature only and has not been tailored to your personal circumstances. Accordingly, reliance should not be placed on the information contained in this publication as the basis for making any financial investment, insurance or other decision. Please seek personal advice prior to acting on this information.
South Eastern – Cheltenham Office::
- Financial Planning
- Private Wealth
23/347 Bay Rd
Cheltenham VICTORIA 3192
Level 1 / 326 Main Street
Inner City Northern – East Brunswick:
- Financial Planning
- Private Wealth
Financial Advice Melbourne
281 Lygon Street
East Brunswick VIC 3057
Thanks again , not only did i save money on my insurance and superannuation I now am for the first time organized.
Financial Advisor| Financial Advice Melbourne