The reality is most of us spend our entire lives working hard to create a comfortable lifestyle and retirement that we can enjoy. Ask yourself this question – if something happened today that meant you were unable to work for an extended period or ever again, how would that affect your future plans. If the answer is too frightening to contemplate, it’s perhaps time to seek assistance to see what can be done to protect your lifestyle. There is no reason to risk what has taken a life time to build on the chances of an unexpected injury, illness or accident.
The financial planning team at Wealth Tree are experienced in discovering your needs and concerns, and providing solutions through risk protection strategies, ensuring you and your family are fully protected. The end result is an insurance policy designed to suit your needs. Key considerations include:
- Completing a needs analysis of your personal situation
- Recommending the most appropriate and affordable policy
- Strategies to ensure premiums are affordable
- Working with you to ensure cover allowing for any existing medical conditions
- Recommendations on who the policy owner should be (superannuation or personally)
- Arranging polices for business owners through business insurance
- Structuring ‘whole-of family’ insurance policy within your Super to protect each generation – from young adults starting work, to young families, through to retirees
- An insurance policy that will maximise tax concessions and incorporate your cash flow requirements
How much do I need?
A regular question we are asked from clients is “how much insurance do I need.” To be perfectly honest, there is no magic formula that we can use to predict the perfect amount. A combination of factors such as debt levels, dependants, age, cash flow and assets all are considered to determine an ideal level of cover. Wealth Tree Planning will then work with clients to ensure that the premiums are affordable for the required level of cover.
Please feel free to contact us for an assessment of your personal situation and to see how we can help.