Many individuals take all of the right steps and put in place sensible Wealth Creation strategies that will ultimately lead to financial independence at their target retirement age. Often the main threat to that objective being achieved is illness or injury that results in the individuals earning capacity being reduced or lost either permanently or for a period of time.
To protect against these events it is vital that personal risk insurance is in place. A detailed analysis of your current position and future objectives is required to accurately calculate the amounts you require and how the policies should be owned. Having your policies structured correctly will avoid significant unexpected tax consequences at a time when you need financial certainty and security.
A combination of Life Insurance, Total and Permanent Disability Insurance, Income Protection and Trauma Insurance will provide comprehensive protection against unforeseen events.